This isn't your daily, don't pay daily rates. Roughley Insurance is a Top Gear Broker with Hagerty, and we also have access to other specialty markets for classics, customs, and collectors.
Classic car pricing depends on many factors including the type of vehicle, how much you drive, what events you go to and the condition/modifications of the vehicle.
In most cases, no. In rare cases where your vehicle's value doesn't match our system, we may request one on rare occasions.
Yes. There are endorsements available such as cherished salvage which pay your claim but also return your vehicle back so that you can rebuild on your own time.
You could be held responsible for injuries and property damage in a collision. This part of your policy helps cover legal fees, settlements, and court awards. We recommend $2M liability, though higher limits may be available.
Covers a range of medical benefits not covered by provincial health care including rehabilitation and attendant care. It also replaces lost income if you can't work and can cover a caregiver for your kids or elderly parent.
When you are in a collision and not-at-fault, this part of your policy pays for your vehicle's damages with no deductible. It also includes coverage for items inside your vehicle and a rental car.
Protects you if you are injured by an uninsured motorist or by a hit-and-run. Also covers damage caused by identified uninsured motorist.
Collision coverage pays to repair your vehicle after an accident. We recommend choosing a deductible that's right for you. Higher deductibles means you pay less but are out of pocket more during a claim.
Comprehensive coverage pays for damage to your vehicle beyond your control such as fire, theft, vandalism, water damage and flying debris. All Perils coverage combines Collision and Comprehensive together.
You could be held responsible for injuries and property damage in a collision. This part of your policy helps cover legal fees, settlements, and court awards. We recommend $2M liability, though higher limits may be available.
Covers a range of medical benefits not covered by provincial health care including rehabilitation and attendant care. It also replaces lost income if you can't work and can cover a caregiver for your kids or elderly parent.
When you are in a collision and not-at-fault, this part of your policy pays for your vehicle's damages with no deductible. It also includes coverage for items inside your vehicle and a rental car.
Protects you if you are injured by an uninsured motorist or by a hit-and-run. Also covers damage caused by identified uninsured motorist.
Collision coverage pays to repair your vehicle after an accident. We recommend choosing a deductible that's right for you. Higher deductibles means you pay less but are out of pocket more during a claim.
Comprehensive coverage pays for damage to your vehicle beyond your control such as fire, theft, vandalism, water damage and flying debris. All Perils coverage combines Collision and Comprehensive together.
Want to be Protected?
At Roughley, we love the classics as much as you do. We want to make sure you can continue to enjoy your investment. If the unexpected happens we want to get you back on the road.
Classic car pricing depends on many factors including the type of vehicle, how much you drive, what events you go to and the condition/modifications of the vehicle.
In most cases, no. In rare cases where your vehicle's value doesn't match our system, we may request one.
Yes. Cherished salvage endorsements pay your claim but also return your vehicle so you can rebuild on your own time.
Classic car pricing depends on many factors including the type of vehicle, how much you drive, what events you go to and the condition/modifications of the vehicle.
In most cases, no. In rare cases where your vehicle's value doesn't match our system, we may request one.
Yes. Cherished salvage endorsements pay your claim but also return your vehicle so you can rebuild on your own time.
Year, make, model and VIN, plus the value you want to insure it for. Classic policies are usually written on an agreed value, so the number we settle on together is what a total loss pays. An appraisal is not needed in most cases; we only ask for one when the value does not match our system.
A few clear, current photos of the car help support the agreed value and show its condition, especially for restored or modified vehicles.
Classic programs are built for limited, pleasure use: shows, club events, cruise nights and weekend drives, not commuting. Tell us roughly how far you drive it in a season. Mileage allowances vary by market, and we will match you to one that fits how you actually use the car.
Insurers want collector vehicles stored securely when they are not being driven, typically in a locked garage or a similar enclosed building. Tell us where the car lives and whether it is stored over the winter.
Most classic programs require a separate vehicle for regular commuting and errands, because the classic is priced for occasional use. We will ask what you drive every day and who else in the household drives.
Roughley Insurance is a Top Gear Broker with Hagerty, and we also place classics, customs and collector vehicles with other specialty markets, so we can match your car to the program that suits it.
Year, make, model and VIN, plus the value you want to insure it for. Classic policies are usually written on an agreed value, so the number we settle on together is what a total loss pays. An appraisal is not needed in most cases; we only ask for one when the value does not match our system.
A few clear, current photos of the car help support the agreed value and show its condition, especially for restored or modified vehicles.
Classic programs are built for limited, pleasure use: shows, club events, cruise nights and weekend drives, not commuting. Tell us roughly how far you drive it in a season. Mileage allowances vary by market, and we will match you to one that fits how you actually use the car.
Insurers want collector vehicles stored securely when they are not being driven, typically in a locked garage or a similar enclosed building. Tell us where the car lives and whether it is stored over the winter.
Most classic programs require a separate vehicle for regular commuting and errands, because the classic is priced for occasional use. We will ask what you drive every day and who else in the household drives.
Roughley Insurance is a Top Gear Broker with Hagerty, and we also place classics, customs and collector vehicles with other specialty markets, so we can match your car to the program that suits it.
These are the features that make classic coverage feel like classic coverage. We'll walk through what applies to your car.
It's less about age alone and more about how the vehicle is used and maintained. Classic programs are typically built for vehicles that are not used as daily drivers and are stored responsibly. If you're not sure if your vehicle qualifies, we'll tell you quickly.
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