The Limited Pleasure Use Plan - Exotic and Classic Car Insurance

The Limited Pleasure Use plan is meant for all makes and models of collectible automobiles, regardless of their age. We will insure a new car that has just left the dealer lot.

Our policy offers superior coverages to standard auto policies, including additional, special coverages. This plan is also much less restrictive than typical "never-leave-it-unattended" collector car policies.

A multicar discount is available regardless of which Select plan your other auto is insured under.

Plan Warranties

The covered auto must be used mainly for club activities and personal pleasure drives. Reasonable care should be taken when leaving it unattended.

• Annual Mileage: Annual mileage may not exceed option selected (2,500 or 5,000 miles).
   
• Normal Driving: No coverage while driving to and from work, school or while being modified or restored by a third party.
   
• Racing & Track Events: No coverage while using the covered auto for racing, gymkhanas, driving school, instructional course or other track events.
   
• Business Use: No coverage while the covered auto is used for any business or commercial use.
   
• Coverage Suspension: All policy coverages are annual and may not be suspended in whole or part.
   
• Parking: The auto must ordinarily be parked overnight in a completely enclosed, locked garage accessible only to you or members of your immediate household.  Should you change the covered auto's regular garage, coverage at the new garage is only afforded after it has been submitted for review and express written approval has been given for its use. Should the covered auto be left at another location for sale, consignment, restoration or customization no coverage is afforded. 
   
• Alterations: Full details of any changes must be submitted along with the completed application.

Exceeding Your Annual Mileage Limit

Your annual mileage is reported and reviewed.  If the annual mileage limit is exceeded, your policy may be non-renewed.  However, if you are on the 2,500 mile plan there may be an alternative offered at our discretion: you may be bumped up to the 5,000 annual mile limit for the current year and the next.