Our Custom Plan is specifically designed to fill the insurance needs of Modified, Street Rod & Custom Automobile owners.
Special Benefits include:
- Plan is available for Modified, Street Rod & Custom vehicles used for hobby and/or collector car activities, and not used for regular transportation, which are 15 years old or older
- Automatic coverage up to $25,000 on newly acquired and replacement vehicles that meet the underwriting requirements of the Custom Plan (Silver Wheel to be notified within 30 days)
- $2 Million Liability coverage
- $100 Standard Deductible ($1,000 and $2,500 deductibles available)
Custom Plan features include:
- Policy is written on a valued form (19A)
- The coverage is for twelve months
- Special discounts for owners of more than one vehicle
- Special discounts for higher deductibles
- Coverage available for Canadian Residents only
- Coverage applies in both Canada and the United States
- Fast professional Claims service and more!
- 10 Years continuous driving experience required
- No depreciation on partial losses
A current detailed appraisal, including colour photographs is required for all vehicles.
Do I Qualify?
The ability to offer low premiums is a direct result of our clients being some of the most responsible drivers on the road today. In order to continue to offer these very competitive rates, we must consider several important factors in the approval process:
- Usage - Both our Silver Wheel Plan and Custom Plan provide insurance coverage for vehicles used for hobby and/or collector car activities, and not used for regular transportation (i.e., shopping, vacation, business and to and from work).
- Driving Records - In general, one or two minor traffic convictions or claims are acceptable. We cannot offer coverage to those who have experienced major convictions such as Impaired Driving, Careless/Dangerous Driving or Suspensions within the past 10 years. All operators must be fully licensed over 10 years. Note all household driving records maybe subject to review.
- Daily Vehicle Insurance - Every licensed driver must maintain a daily usage vehicle with insurance under his or her own name.
- Appraisals - A detailed appraisal, including colour photographs is required for all vehicles.
The Custom Plan can provide insurance coverage for the following types of vehicles.
SPECIAL INTEREST AUTOMOBILE
A rare or limited production,
low mileage vehicle 15 years and
older, with desirable collector
characteristics.
MODIFIED CUSTOM CARS, REPLICARS
& STREET RODS
Any vehicle that has been
changed from its original
manufactured or "stock"
condition. This includes changes
in engine or drive train which
were not available in the
original manufactured year,
increase in horsepower, or
custom paint and/or decals.
Generally, safety-related
modifications such as steering,
brakes or tires and wheels are
not considered modifications.
VEHICLES UNDER ACTIVE
RESTORATION
We recognize that the process of
restoring a collector vehicle is
part of the hobby. We will offer
coverage on vehicles that are
being "actively" restored. Our
main concern is with low valued
vehicles that never become fully
restored. The applicant must
demonstrate that the vehicle is
in active restoration by
providing quality colour
photographs, details of the
restoration, and a current
detailed appraisal.
Coverage is underwritten by Aviva Elite Insurance Company
