Damage to your collector vehicle is not typically covered under a Homeowners policy, and a standard auto policy could leave you susceptible to coverage gaps or overpaying on insurance premiums. Your vehicle is unique and requires insurance that is equally distinctive. Berkley Classics can help you better understand what is needed to protect your beloved investment and enjoy it for years to come. Here’s a snapshot of the various scenarios you may find yourself in and the coverage we offer to help.*

Scenario Coverage How it Works Why We’re Different
You haven’t had a chance to take your luxury car in for maintenance. Your brakes fail and an accident ensues. The other driver emerges, ogling your vehicle with dollar signs in his eyes. Liability Protects you against a lawsuit for injuries to people or property in an accident you cause and pays your legal defense costs, even in unwarranted legal actions. We can provide a higher level of limits for maximum protection against lawsuits whereas other carriers may fall short.
Your car is being towed to a show. The trailer overturns, causing your vehicle to roll off, and it is totaled. Collision Helps pay for damage to your car after it has been in a collision or upset. We’ll pay the agreed amount on the declaration rather than the Blue Book value which deducts for depreciation.
You take your car to the grocery store. Someone keys your vehicle while you are inside shopping. Comprehensive/ Other Than Collision (OTC) Pays for damage to your car from vandalism, riot, floods, storms, fires, theft and other miscellaneous items. Our policy responds whereas others may require that you be with the vehicle when damage occurs. We also offer deductible options whereas some insurers require $0 deductible, which means you could be paying higher premiums.
More than one in ten drivers nationwide is uninsured, according to the Insurance Information Institute. You are unlucky and one happens to run into you. What’s worse is that you get injured. Uninsured and Underinsured Motorist Pays for bodily injury to you and your passengers when you are in an accident caused by an uninsured, hit and run driver or an individual who does not have enough insurance. Our policy offers limits required by most umbrella carriers so you don’t experience coverage gaps should injuries be severe enough to penetrate your policy limit.
You run out of gas because your meter isn’t working properly. Towing and Labor Reimburses you for expenses incurred for towing and miscellaneous emergency road services. We’ll pay the service call costs for someone to come fill your tank. We also offer four different levels of coverage so you can choose what’s best for your needs.
You are out cruising and get behind a truck which kicks a rock on to your windshield. The chip quickly spiders and spreads across the glass. Full Safety Glass Provides full coverage for safety glass regardless of the comprehensive deductible. We’ll cover the replacement whereas other carriers may not or may require you to pay the deductible first. We offer a $0 deductible option.
You go to a collector car swap meet and snatch up a radiator which is the perfect match for your vehicle. You figure you might just need it someday so you tuck it away, but the radiator is stolen out of your garage. Spare Parts Provides an additional limit of coverage for physical damage loss to spare parts kept on hand for your vehicle. We offer complimentary parts coverage to reimburse you up to $500 whereas some carriers don’t provide this coverage at all. Plus, you can purchase additional limits for that rare flat head engine worth a pretty penny.
You go to a car show 200 miles from home and your battery dies. You can’t get back home so you book a hotel until your part can be delivered and your vehicle repaired. Trip Interruption Pays additional expense when vehicle is in an accident or disabled, causing an extension of the trip. Not all companies offer trip interruption coverage, for things like hotel expenses, which may leave you stranded or paying more out of pocket.
You are at a car club meeting and one of the other members gets in your vehicle to check it out. He catches his foot while getting out of the vehicle, falls and breaks his ankle, requiring surgery. Medical Payments/ Personal Injury Protection Pays medical bills for you and your passengers after a covered accident, regardless of fault. We aren’t any different and won’t pretend to be, but we still thought it was worth mentioning so you can understand how your insurance works.

*Products and services are provided by one or more insurance company subsidiaries of W. R. Berkley Corporation. Not all products and services are available in every jurisdiction, and the precise coverage afforded by any insurer is subject to the actual terms and conditions of the policies as issued. For additional information concerning W. R. Berkley Corporation’s insurance company subsidiaries, click here.