Classic car insurance

Why Choose Us?

Our business has seen all the trends over the years and we know that newer isn't always better.  Classic cars require a special touch to ensure they keep their pristine condition, and your insurance should be just as special.  We have companies that offer unique programs designed to ensure your most prized possession is properly protected.

What's Special About Classic Car Insurance?

Agreed Value: Unlike your everyday commuter where there are many cars to compare it with, your classic car might be one of a kind.  This means we have the insurance company agree to a specific value for your car, so if anything happens there will be no haggling on what it is worth.  The value can be determined either through your own knowledge or by having an appraisal done on the car.  It is always a good idea to update the value as you work on your car, as it can increase substantially depending on the amount of work and condition the car is in.

Flatbed Towing - If something happens to your classic car you don't want any old tow truck to bring it back home.  We have companies that offer Guaranteed Flatbed Towing for your classic vehicle, using only soft tow straps.  This ensures your car is properly protected and won't be further damaged due to improper towing.

Cost - Classic car insurers know that you take more care while driving your classic vehicle and typically only use it for a lovely Sunday cruise.  These specialized insurers charge much less than regular insurance companies as they better understand the use of the vehicles.

Work in Progress - Some classic cars can be a constant work in progress depending on the state you purchased it in.  Your homeowners policy only covers a limited amount of automobile parts so how do you cover those spare parts you haven't had the time to install yet?  Your classic car insurance can be extended to cover all these loose parts before they are installed, letting you focus on the car with peace of mind.

What Qualifies for Classic Car Insurance?

Age - Classic cars are typically 20 years or older.  Not all older vehicles qualify as a mass produced car that is 20 years old may not be considered a classic vehicle.  If you are not sure, you can always ask us.

Restricted Usage - If you use your classic vehicle for daily use then you won't qualify for classic car insurance.  This insurance is meant for the relaxing Sunday drives or perhaps a few car shows a year.  Classic car policies cost much less than regular policies as the companies anticipate the use to be much less than a regular car.  They should also be put away for the winter as salt, snow and ice are not very kind to any vehicle.

Storage - Where do you store your classic car?  A prized possession should be put away in a garage or storage when not in use, protecting it from the elements.  

Modifications - Have you repaired the car back to its original glory or have you decided to make a few modifications to your classic vehicle?  Insurance companies need to know if you have modified the car, and what modifications you have made in order to determine if you qualify.

Let one of our experienced brokers guide you through classic auto insurance and give you the peace of mind to drive with confidence.  We balance the needs of every individual and understand everyone has different priorities.  Call today to let us help you 905-623-4406.      

Contact Us

26 King St East Bowmanville ON, L1C 1N2


T: 905-623-4406

T: 1-800-836-7236

F: 905-623-5570

Our Hours

Monday: 9 am - 5 pm

Tuesday: 9 am - 5 pm

Wednesday: 9 am - 5 pm

Thursday: 9 am - 5 pm

Friday: 9 am - 4 pm

Saturday: Closed

Sunday: Closed

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About Us

James Insurance is a local insurance broker serving Bowmanville and the surrounding areas since 1893.  


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