Designed for Your Collector Car, Not Your Daily Driver
Standard & bundled auto insurance coverages are built for daily drivers, not classic and modern collectible vehicles. To them your classic is just another daily driver, exposed to all the added risks of being on the road everyday. And their rates reflect that! We understand the distinction and how you care for your ride. That’s how we can provide the best-in-class insurance rates that we do!
All the Coverage,
None of the Hassle.
Complete and comprehensive protection, so you can stop worrying. You just focus on that perfect turn, we’ll cover the rest.
Service that Actually
Feels like Service.
We know it’s not just your car, it’s part of your family. That’s why our customer service is always prompt, responsive, expert, and empathetic.
Premium Protection
Without the Premium Price.
As collectors ourselves, we know every detail matters. OpenRoad’s coverage includes all the bells and whistles, priced with integrity.
We’re Passionate About Cars.
Perfectionists About Coverage.
Your vehicle is far more than the sum of its parts. Which is why our coverage is tailor made for collectors and enthusiasts.
Agreed Value Coverage
Agreed value coverage guarantees you and OpenRoad agree on your car's value upfront, so you're paid that exact amount in the event of a total loss. No depreciation, no surprises.
Tools & Spare Parts Coverage
$1,000 of comprehensive coverage for your insured vehicle’s spare parts and tools.
Additional Coverages
We cover all the details you care about: replacement windshields, OEM parts, repairs at the shop of your choice, even the expense of an emergency evacuation.
Optional Coverages
Let you retain your sentimental salvage in the case of a wreck, and cover vehicles under construction.
We Cover a Variety of Modern & Classic Collector Vehicles
It’s Easy to be Eligible for OpenRoad Insurance
How You Can Use Your Vehicle
- Designed for collector vehicles that are driven for enjoyment.
- Approved uses: car shows, club events, rallies, tours, and pleasure driving.
- Up to 7,500 miles annually may be considered, though 3,500 miles is more consistent with collector use.
- Daily driver use is not permitted (limited commuting may be considered).
Storing Your Vehicle
- Must be stored in a fully enclosed, secure structure: private garages, pole barns, car condominiums, or enclosed storage units.
- Possible alternatives include carports and parking garages with 24-hour security and restricted access.
- Not acceptable: street parking, parking lots, soft-sided or temporary structures.
Driver & Household Requirements
- All household drivers are subject to underwriting review.
- Minor violations or at-fault accidents may be acceptable; serious infractions (reckless driving, alcohol-related offenses) generally affect eligibility.
- Every licensed household driver must have their own separate daily-use vehicle.
- Motorcycles and public transportation do not qualify as daily-use vehicles.
Covering the Country, One Mile at a Time.
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OpenRoad One
OpenRoad One is our premier insurance for the highest-value classic cars, collections, and most discerning collectors. Choose OpenRoad One for peerless service and protection.
