Specialty Collector Vehicles
EveryVehicle Has A Story
Coverage Built for Tractors, Military Vehicles, and Fire Trucks
Specialty vehicle insurance covers the machines nobody else has a form for. A 1951 Seagrave pumper, an M35 “Deuce-and-a-Half”, a restored tractor. Mainstream carriers don't decline these because the risk is bad, they simply don’t have a field for them. We underwrite with people instead of software.
What Qualifies as a Tractor, Military Vehicle, or Fire Truck for OpenRoad Coverage
Retired fire trucks, vintage tractors, disarmed military vehicles, and machines whose original owner was a municipality that no longer exists. If you're unsure whether yours qualifies, that's usually a sign it belongs here. What matters is that it isn't commercial equipment still earning its keep, it's stored securely, and it's kept for preservation and enjoyment.
What Tractor, Military Vehicle, and Fire Truck Insurance Covers
Agreed Value
A Farmall H has no book value, and no algorithm knows what a restored ladder truck is worth. So, a person sets it. Agreed Value here is a conversation, then a number in writing, then that number is the payout.
Shop of Choice
This matters more than usual, since the fabricator who can handle a period-correct pumper body isn't on anyone's approved network. You pick, we don't assign. For most of these machines there are only a handful of people in the country who can do the work right.
Tools & Spare Parts
Up to $1,000. Parts for these machines get found, not ordered, and what's on your shelf may be the only set within 500 miles. Losing the parts stash can set a restoration back further than losing the vehicle would.
Why Insure Your Tractor, Military Vehicle, or Fire Truck with OpenRoad
Most carriers won't quote these at all. We will, and in one conversation instead of three. Claims go to underwriters who've valued a Willys MB before. For larger collections, OpenRoad One adds higher limits and a dedicated team. Call 1-866-952-7622 and describe what you've got.
There's Nothing Standard About Our Coverage
Because there’s nothing standard about your vehicle.
We’re collectors too, which is why we include all the protections you care about most.
All the Coverage,
None of the Hassle.
Every classic car insurance policy includes agreed value coverage, OEM parts, your choice of repair shop, and tools & spare parts protection. Standard, not upsold.
Service that Actually
Feels like Service.
Everybody says it. Almost nobody delivers it. We answer the phone when you call, and we stay on it until you have what you need. 88% of clients surveyed would recommend us to a friend. 97% after a claim. Our Google rating is 4.9. Real service, from real people who love cars.
Premium Protection
Without the Premium Price.
As collectors ourselves, we built the coverage we'd want on our own cars. The price reflects limited miles and secure storage, because that's how these cars are owned.
Our Coverages
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.
Serious Coverage.
Simple Process.
Start your quote in minutes and see how much you could save.