Classic Trucks & 4x4s
Pickups and 4x4s kept for what they are, not what they haul. A growing category with its own underwriting story — different use patterns than a coupe or sedan.
Classic trucks and 4x4s occupy an odd spot in most insurers’ underwriting — treated either like a work vehicle or squeezed into a car-shaped policy that doesn’t fit. Neither is right for a truck kept, restored, and shown the way a coupe would be.
We underwrite these based on how they’re actually used: pleasure driving, shows, occasional trail use for a 4x4 — not daily hauling. Tell us the truck and how you keep it, and we’ll tell you where it fits.
- Can a classic truck be covered if I occasionally use it for light hauling?
- Tell us how you actually use it. Occasional, incidental use is often fine — regular work or commercial hauling generally isn't, since that changes the risk profile.
- Do 4x4s need different storage terms than a coupe?
- Not usually, though off-road use and modifications are worth mentioning up front so the policy matches how the truck is actually driven.
Muscle Cars & Hot Rods
Numbers-matching big blocks, restomods and street rods. Valued on the build and the receipts behind it, not just the year and trim on the title.
Ask aboutyour classic trucks & 4x4s.
Tell us the make, model, and how you keep it. We'll tell you what it takes to get an agreed value on the record.