Do they restrict your usage or can you drive your car whenever and wherever you want?
I'm with Zehr right now. The insurance premium is PEANUTS. I can insure three classic/hot/rod/modified (whatever you want to call them) cars for less than 1/2 what I can insure my beater for ---- but I can't drive the cars anywhere! (Other than to and from car shows and in parades.)
This "classic car" insurance is a JOKE.
Fatchuck, I agree with you.
The main point of my argument has always focused around this :
The car was legally safety-checked by a certified mechanic. In the eyes of the mechanic, based on the rules outlined by the Ontario Government, it is 100% safe.
I do not believe any insurance company should be able to deny me insurance or charge me any more than a realistic premium (based on appraised or agreed-upon value) to drive the car as it is theoretically just as safe as any other legally safety-checked vehicle. It's all B.S. and it's completely unfair.
But the neighbour's kid can hop up his rusted-out Honda and rip around with a fart can muffler and that's fine and dandy - no issues there!
As 1bad56 mentioned I do believe there is a restriction on to and from work. I have yet to find an insurance company in Canada which will allow a classic ride to be used to get to work. But they (haggerty) are the least ugly girl on the block if you know what I mean. Definitely room for improvement in the classic car industry in Canada.