Special Coverages

We have added a program-exclusive endorsement to your policy that provides the following added coverages at no extra cost:

Windshield Coverage: We will pay for the cost of repairing/replacing the damaged windshield subject to a $75 deductible.

Spare Parts Coverage: We will pay up to $250 for direct and accidental loss to spare parts to your covered auto. We do not cover parts held for sale by you or property of others in your care, custody or control.

Accessory Coverage: We will pay up to $750 subject to the deductible listed on the Declarations page for the replacement of the sheepskin seat covers, car covers, car nose masks, tarpaulins and floor mats provided your covered auto is stolen.

Towing and Labor Costs Coverage: We will pay up to $150 per occurrence and $300 annual aggregate for towing and labor costs incurred when your covered auto is disabled. The labor must be performed at the place of disablement. We will not pay for towing costs or labor incurred in towing your covered auto from the place where it is principally garaged.

Agreed Amount Coverage: If the vehicle is stolen or totally destroyed, we will pay the Agreed Value. No haggling over values, the condition of the auto at the time of loss etc.

We extend our limit of liability to cover additional or replacement Concours or Limited Pleasure Use vehicles acquired by you during the policy period, but not to exceed the verifiable value, $100,000 or the purchase price, whichever is less. Such additional or replacement vehicles must be reported to us within 30 days of purchase. The aforementioned value limits do not apply once a vehicle's value has been reviewed by us and the auto has been formally added to the policy. At that point, what matters is the Agreed Amount. Once we agree on a value it is etched in stone and not subject to limits or modification.