- Q: What are the eligibility requirements for collectible vehicle insurance?
Our classic car insurance eligibility guidelines are pretty simple. Your collectible vehicle’s primary driver must have a valid driver’s license with at least five years of licensed driving experience and a clean driving history. Every driver in your household must have a separate vehicle for daily use. You can’t use your collector car as an everyday vehicle or as a substitute when your regular car is in the shop.
- Q: How many miles can I drive my car each year?
As many as you’d like! Many of our customers put over 5,000 miles on their classics every year, and others won’t drive their vehicles at all. Every situation – and every car – is different, and our collector car policy can be specifically tailored to meet the needs of each one.
- Q: Will you cover my vehicle while it’s being restored?
Of course! Restoration can be a fundamental part of owning a classic car, and we make sure yours is covered when it’s in the shop. If you’re thinking of starting a project, don’t forget to ask about our Spare Parts Coverage to protect the pieces of your car that aren’t yet in place.
- Q: If I can’t drive my car during the winter, can I suspend coverage for those months?
If you remember the great non-winter of 2011, you’ll understand why we don’t offer suspended coverage. Even during typically snowy months we’re sometimes gifted with a warm, sunny day that’s perfect for a joy ride. We want you to be able to take advantage of those opportunities, so we make sure to keep you covered all year long. However – we do offer a “layup” credit for our drivers in the north who in all likelihood won’t be driving at all during the winter. To find out if you qualify for this credit, call our Funderwriters today.
- Q: Does Condon Skelly offer deductibles?
Yes, we offer a number of deductible options to fit our customers’ individual needs. Many of our customers opt for a $0 deductible because our annual premium rates are already low, but our new Insta-Quote system shows you the change in annual premium as you select different deductible options. Try it today and pick the one that works for you.
- Q: Does it matter where I store my collector vehicle?
All we require is that your vehicle is stored in a secure, locked garage.
- Q: What is “Agreed Value”, and how is that different from Actual Cash Value?
Agreed Value allows you to insure your collector vehicle for the amount it would cost to replace it in the event of a total loss or the amount you could expect the vehicle to go for at auction. Agreed Value is different than Actual Cash Value (used on standard auto policies) because the Agreed Value is determined by you, the owner, and agreed upon by the underwriting experts at Condon Skelly. Also, while Actual Cash Value decreases over time, Agreed Value does not change until you decide to increase it.
- Q: My collector vehicle may be worth more than I’ve insured it for. Can I change my Agreed Value?
Absolutely. Our customers are welcome to adjust their Agreed Values at any point during their policy period. In fact, we have created a special Value Outreach Department to assist customers whose collector vehicles have appreciated significantly since their last value evaluation. Generally we recommend reevaluating your Agreed Value every few years to make sure your collector vehicle is covered for all its worth.
- Q: What happens if I insure my collector vehicle for less than it’s worth?
This is a very dangerous situation and can compromise the integrity of your policy. Please contact us to learn more about the risks associated with a lower-than-market agreed value.
- Q: How much insurance should I carry on my car?
You should always insure your collector vehicle to its full agreed value to ensure you’re fully protected in the event of significant damage or a total loss. We also recommend that you carry as much liability coverage as you can afford, provided you do not exceed the limits on your standard auto policy.
- Q: How do I report a claim?
If your policy number begins with the letters “CSK” or “7FA2PA” (for CA residents):
Simply call our NSM Claim Reporting Center at: (833) 504-9935. A friendly claim representative will be able to assist you Monday – Friday from 8:00 am to 8:00 pm EST and Saturdays from 8:00 am to 5:00 pm EST.
If your policy number begins with the letters “CSA”:
Call the Condon Skelly claim reporting center powered by York Claim Services at: (877) 371-9774. A friendly representative will be able to assist you 24 hours a day/7 days a week. You may also report a new claim by emailing email@example.com.
When reporting your new claim, please have the following information handy:
- Date and location of the occurrence
- Insurance card
- Insurance information and contact information for any other involved parties
- General description of what happened
- Police department involved and incident report number
To expedite the handling of your newly reported loss, please reference the Condon & Skelly client code. The code is 4599.
Once you’re claim has been reported, you’ll be contacted by a claims adjuster who will explain your insurance coverage and the claims process. The adjuster will work closely with you until your vehicle is back on the road.
- Q: Who can drive my car? Can my kids drive it?
We’ll leave those decisions up to you. All we require is that you follow our usage guidelines and obey the law.
- Q: Do you require an appraisal?
Generally speaking, we don’t require appraisals for collector vehicles. However, we may ask for parts-receipts and/or an appraisal to justify Agreed Values for some customized collector cars.
- Q: Where can I view my policy documents?
- Q: Can I pay my bill online?
- Q: I just applied for Condon Skelly coverage online – now what?
You’re off to a great start! One of our expert collector vehicle underwriters will be contacting you shortly to complete the application process. You should be ready to hit the road within 24 hours.
- Q: Do you have access to cyber liability insurance?
Through NSM Insurance Group, Condon Skelly can now offer an extremely efficient way of quoting cyber liability for your exposed risks.