There’s nothing quite like cruising through Newfoundland in a classic car. Picture winding your way around the scenic cliffs of the Bonavista Peninsula, hugging the coast along Route 70 through Conception Bay North, or rolling through the historic streets of downtown St. John’s with your chrome glinting in the sun. Whether you’re headed to a weekend car show in Gander or taking a Sunday drive down the Irish Loop, owning an antique vehicle here isn’t just about nostalgia—it’s about experiencing the island in a whole new way.
If you’re searching for antique car insurance in Newfoundland, here’s what to consider, what’s covered (and what’s not), and how it can fit into your broader insurance plan.
What Is Antique Car Insurance?
Antique car insurance is a specialty policy designed to protect classic and collector vehicles. Unlike standard auto insurance, these policies take into account the car’s collectible value, how often it’s driven, and how it’s stored.
What Qualifies as an “Antique” Vehicle?
In Newfoundland and most of Canada, an antique or classic car typically meets the following criteria:
-
At least 15 to 25 years old
-
Maintained or restored to original condition
-
Used primarily for exhibition, club events, or leisure—not daily commuting
-
Stored in a secure location when not in use
Not covered: Daily drivers, kit cars, hot rods with major modifications, or vehicles used for commercial purposes usually don’t qualify under antique coverage.
Key Considerations When Choosing Antique Car Insurance
Before locking in a policy, here’s what to think about:
-
Agreed Value vs. Actual Cash Value
Most antique car policies are based on agreed value—you and the insurer agree on what the vehicle is worth up front. That way, you won’t lose out in the event of a total loss. -
Usage Limits
Many policies cap the number of kilometres you can drive each year. They’re designed for weekend cruises or car shows, not daily commuting. -
Storage Requirements
Insurers often require that the car be stored in a fully enclosed, locked garage to qualify for antique status. -
Appraisals and Documentation
You may need a professional appraisal and clear photographs to establish the value of your car before the policy kicks in.
Can You Bundle Antique Car Insurance With Other Coverages?
Absolutely, and it often saves you money.
At Wedgwood Insurance, we can combine your antique vehicle coverage with your:
-
Home insurance
-
Regular auto policy
-
Seasonal vehicles (ATVs, motorcycles, campers)
-
Business insurance, if you’re a collector who trades vehicles
Bundling policies helps streamline claims, manage deductibles, and may unlock multi-policy discounts.
Why Work With a Local Broker?
Choosing a broker in Newfoundland means you’re working with someone who understands local driving conditions, seasonal usage, and regional requirements. At Wedgwood, we’re not just quoting a policy—we’re helping you protect something you’ve poured your heart and soul into.
We’ll walk you through:
-
Valuation options
-
Storage tips to reduce your premium
-
Claims procedures tailored to collector cars
-
Opportunities to save when combining your antique policy with others
Is Antique Car Insurance Right for You?
If your vehicle is more at home in a parade than a parking lot, chances are it qualifies. But the best way to find out? Talk to a local expert.
We’re here to help Newfoundland’s antique car owners find the right protection for their one-of-a-kind rides—and save money while doing it.
Ready to insure your classic car?
Get in touch with Wedgwood Insurance for a personalized quote on antique car insurance in Newfoundland. Whether it’s your weekend cruiser or a show-stopping gem, we’ll help you keep it protected.
