COLLECTOR & LUXURY VEHICLES

Insurance for Cars That Are More Than Transportation.

The weekend car. The concours piece. The daily driver that happens to be an exotic. BCU structures coverage that understands the difference between a vehicle and a collection.

Agreed Value, Storage, Transport, and the Daily Driver Too.

A collector car is not a commuter car, and it should not be insured like one. Standard auto policies pay actual cash value at the time of a loss, which for a collector vehicle usually bears no relation to what the car is actually worth. The right coverage is an agreed value policy, negotiated in advance, that pays the agreed amount regardless of market fluctuation.

BCU also handles the daily side of a vehicle program. Luxury sedans, SUVs, and performance cars driven regularly need the same kind of attention, often with higher liability limits tied into the broader excess liability program.

What a BCU vehicle program addresses

• Exotic and collector automobiles under agreed value policies
• High-value daily drivers with appropriately scaled liability limits
• Storage coverage for vehicles kept at home, in private garages, or in specialty storage facilities
• Transport coverage for vehicles moved to shows, auctions, or between residences
• Event coverage for rallies, track days, and concours participation
• Telematics and driver risk management for households with multiple drivers
• Coordinated coverage for vehicles owned by LLCs or held in trust
  

For Clients Whose Relationship With Cars Is Not Purely Practical.

BCU works with collectors whose cars are part of a broader portfolio, and with clients who have simply accumulated meaningful vehicles over time without thinking of themselves as collectors. Both groups benefit from the same structural approach.

Most Collector & Luxury Vehicles clients fit one of these profiles

• Serious collectors with multiple vintage, classic, or exotic vehicles
• Enthusiasts with one or two significant cars alongside daily vehicles
• Families with multi-vehicle households including teenage or young adult drivers
• Clients participating in rallies, concours events, or track days
• Owners moving vehicles between residences in different states
• LLC-owned or trust-held vehicles that require coordinated commercial and personal coverage
  

Specialist Carriers, Coordinated Program.

Review

We review every vehicle, every current policy, and every driver in the household. Gaps in agreed value, storage terms, and transport coverage are common.

Design

We place collector vehicles with specialist carriers that understand agreed value, while keeping daily drivers with carriers that handle modern electronics, teenage drivers, and high liability limits.

Advocate

Vehicle claims involve restoration, parts sourcing, and values that carriers can dispute. We advocate until the settlement reflects the real loss.

Related Practice Groups

How Are Your Vehicles Insured Today?

Send us a list. We will read the policies, flag the gaps, and tell you what a proper program would look like.