AUTOMOTIVE COLLECTORS

Insurance for People Whose Relationship With Cars Is Not Purely Practical.

BCU advises collector car owners, exotic vehicle enthusiasts, and multi-vehicle households whose automotive holdings have grown beyond what a standard auto policy is built for.

A Standard Auto Policy Does Not Understand Collector Cars.

Standard auto insurance pays actual cash value at the time of a loss. For a collector vehicle, that bears no relationship to what the car is worth, what it cost to acquire, or what it would cost to replace. Enthusiasts who insure collector cars on standard policies often do not realize the gap until the car is damaged or destroyed.

The right coverage is an agreed value policy placed with a specialist carrier, coordinated with the daily vehicles in the household and layered into the broader personal liability program. BCU does this work for collectors and enthusiasts across the country.

Which Practice Groups Automotive Collectors Typically Engage.

Vehicles Handled the Way Collectors Want Them Handled.

Every Vehicle Reviewed

We review every vehicle, every driver, every storage location, and every intended use. Gaps in agreed value, storage terms, and transport coverage are common.

Specialist Carriers

We place collector vehicles with carriers that understand the category and keep daily drivers with carriers that handle modern vehicles and household drivers well.

Event Coverage Built In

For clients who participate in rallies, concours events, and track days, we build coverage that addresses those uses directly rather than leaving them to hope the policy responds.

Related Audiences

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. No cost, no obligation.