Additional Coverages
Standard coverage is for “standard” vehicles. At OpenRoad, we’re so much more. We understand the needs of collectors and enthusiasts because, well, we’re collectors too.
Because Chip Happens
Zero Deductible Windshield Replacement
If your windshield is damaged, OpenRoad covers the full cost of repair or replacement, no deductible required.
We believe that you should enjoy your classic or collector car where it was meant to be enjoyed, on the open road! Unfortunately, that means there's a good chance your windshield will be damaged, and collector vehicle windshields can be expensive to replace. With no deductible windshield insurance, you can focus on the drive and leave the worries behind.
Pick Your Parts, and Your People
Repairs Performed With OEM Parts
Your collector car deserves nothing but the best and that's exactly what you'll get. In the event of a covered loss, your OpenRoad policy ensures your vehicle is repaired with authentic OEM parts, restoring it to its original condition without cutting corners.
Repairs Performed At Your Shop of Choice
Your car, your shop. It's that simple. If your vehicle sustains covered damage, your OpenRoad policy gives you the freedom to choose the trusted shop and mechanic who knows your vehicle best to handle the repairs.
Tow Trust
Emergency Roadside Assistance Coverage
Your OpenRoad policy includes up to $150 in towing and labor costs per vehicle each year. You choose the provider you trust, and we’ll cover the cost. Better yet, roadside assistance coverage comes standard with every OpenRoad policy at no additional charge.
Peace of Mind Comes Standard
Emergency Evacuation Expense
When a hurricane or natural disaster is bearing down, your focus should be on your family, not your collector car. OpenRoad covers the cost to relocate and store your vehicle for up to 180 days, so it's protected while you handle what matters most.
Your OpenRoad Evacuation Expense Coverage offers $1,500 per incident to help you with the costs related to moving and temporarily storing your covered vehicle. Over the course of your policy, the overall maximum payout for evacuation expenses is limited to $10,000.
Your peace of mind is our priority, so all you have to do is provide evidence of your expenses, like receipts, to be eligible for reimbursement.
Impulse Buy? Get Immediate Coverage
Automatic Coverage for New Purchases
Your OpenRoad policy includes automatic 30-day coverage for newly purchased classic and collector cars, with up to $50,000 in agreed value coverage. If you're an existing OpenRoad policyholder and purchase a qualifying collector vehicle, our coverage automatically kicks in to keep you protected.
Just give us a call to find out if your vehicle qualifies. If it's a classic or modern collectible that you treasure rather than commute in, it's likely a great fit.
Fraud or Forgery? Forget It
Fraud Protection
Your OpenRoad policy includes Limited Fraud Coverage. This provides you with some additional protections against fraudulent activities and losses related to your collector car as a result of forgery, false pretense, and identity theft.
Forgery Protection
Coverage for situations where someone unlawfully produces or alters documents related to your collector car, such as titles or ownership documents.
Protection from False Pretense
Protection for cases where someone deceives you, the policyholder, into voluntarily parting with your collector car by misrepresenting facts or intentions.
Identity Theft Protection
Some policies may extend coverage in cases where your identity is fraudulently used to obtain ownership or control of your collector vehicle.
Serious Coverage.
Simple Process.
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