Schedule I — Vehicle Class

Vintage & Luxury Classics

Postwar European and American luxury — Continentals, Silver Clouds, long-deck coupes with formal rooflines. Cars built to be maintained, not just driven.

EligibilityAppraisal usually required

Vintage luxury cars were built with materials and craftsmanship that are expensive — sometimes impossible — to replace today. Original wood trim, specific leather, coachwork details particular to a marque or model year. That’s exactly what a formal appraisal is meant to capture before anything happens to the car.

We place this class with carriers who understand the difference between a generic parts replacement and matching the original specification a marque like this deserves.

Questions on this class
Do these cars typically need a formal appraisal?
Usually, yes. Luxury marques often carry higher replacement costs for trim, upholstery and mechanical components, so an appraisal tends to be the standard rather than the exception.
Is regular use different for this class?
Many vintage luxury cars see slightly more regular use than a show car, since they were built for comfortable long drives — tell us how you actually use it and we'll match the terms.
Other vehicle classes

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.

Antique Vehicles

Pre-war and early postwar machinery, often club-toured, usually with original brightwork worth protecting. The oldest cars we insure need the most careful handling — on the road and on paper.

Custom & Modified Vehicles

Resto-mods and non-stock builds — a car built to a vision rather than a factory sheet. Underwriting here is about the build quality, not matching a stock spec.

Instruction to proceed

Ask aboutyour vintage & luxury classics.

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.