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Five Quick Tips Regarding Seasonal Vehicles & Insurance

Posted Jun 6th, 2018 in Media, General, Insurance Tips, Auto Insurance, Did You Know?, In the News

The summer season is the ideal time to bring out your seasonal vehicles, whether it’s a classic, antique or summer convertible, you’ll want to read our quick insurance tips.

Five Quick Tips Regarding Seasonal Vehicles & Insurance, Youngs Insurance, Ontario

What’s considered a seasonal vehicle?

A seasonal vehicle is a vehicle that is not being driven for a long period of time, typically throughout the winter months. This vehicle is generally of high value and is stored at some point during the year when the car is unable to be driven, due to messy and unsafe winter conditions.

The difference in your seasonal vehicle insurance

What some people don’t know is, when you have a seasonal vehicle in storage you are able to remove the road, liability and accident benefit insurance on that vehicle. However, it is recommended that you keep the comprehensive insurance on the vehicle as that will protect the vehicle against any fire, theft or vandalism.

5 Tips You Need to Know About Taking your Seasonal Vehicle out of Storage

There are a few steps you should follow when taking your vehicle out of storage for the season.

  1. Two to three weeks before starting to drive this vehicle you should follow up with your insurance company and tell them you are starting to drive it again. This gives them some time to report your information to your insurance company.
  2. Ensure you have renewed your license plate sticker before driving on the road.
  3. Have an accurate and up to date appraisal on your seasonal vehicle to ensure you're protecting the value of it should there be a loss.
  4. If you like to rebuild your classic car, you could have upwards of $5,000 in spare parts in your garage. Make sure you advise your Insurance Broker of such parts to ensure they are insured correctly.
  5. There are specialty insurance companies that insure classic and antique vehicles.

We hope these simple tips help you with your seasonal vehicles and your insurance!

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