1. What are the eligibility requirements for collectible vehicle insurance?

Our classic car insurance eligibility guidelines are pretty simple. Your collectible vehicle’s primary driver must be a licensed driver for at least 5 years and have a clean driving record. (So rejoice! You have an excuse when your 16-year-old son asks to take over your wheels.) Every driver in your household must have a separate vehicle for daily use. You can’t use your pride and joy as an everyday vehicle or as a substitute when your regular car is in the shop. And when not in use, you have to keep your collectible in a secured garage.

2. How many miles can I drive my car each year?

As many miles as you like! We want you to have fun with your best friend, not limit your mileage. As long as your collectible vehicle isn’t your primary car, you’re covered for leisure use. So go ahead, show off your ride at club events and car shows. And by all means, drive it around town on a sunny day and even to dinner every so often. Your baby will love being taken for a spin.

3. Will you cover my vehicle while it’s being restored?

Of course! Restoration is vital to advancing your hobby and we want to make sure you’re covered while you (or anyone else!) is working on your collectible.

4. Do you offer seasonal coverage?

Definitely! At Condon Skelly we’re flexible to your changing needs. During the off-season when your collectible vehicle isn’t being used, we’ll be happy to insure your vehicle for comprehensive coverage only.

5. Does Condon Skelly offer deductibles?

Yes. And we don’t just offer one choice - we offer a number of deductible options. Because our annual premiums are so low, many customers choose to have a zero deductible, but many different options are available.

6. What are Condon Skelly’s garage requirements?

When you’re not out driving or showing you classic or antique vehicle, we require that you keep your pride and joy in a fully enclosed, locked garage.

7. What is Agreed Value?

Condon Skelly Agreed Value policies guarantee that in the event of a total loss – resulting from an accident, theft or anything else – you’ll receive your collectible vehicle’s full value. And you’ll know what that value is right when you file your claim, because it’s the value we’ll agree upon when you set-up your policy.

8. How much insurance should I carry on my car?

You should always insure your vehicle to its market value or your most recent appraisal value. By insuring your vehicle to its market value, you’ll be ensured to receive its highest value in the event of a total loss. And your limits must be equal to the limits on your everyday car policy.

9. How do I report a claim? What happens next?

To make your life easier, you can report your claim in three ways.

1. Call the Condon Skelly Claims Department at 800-257-9496. We are open Monday – Thursday 8am to 7pm, Friday 8am to 5pm EST.

2. After hours, call 800-854-6011 x 5280

3. Contact your insurance agent and s/he will fill out the paperwork for you

But don’t worry; we’ll get back to you within 24 hours. For more detailed instructions click here for the Condon Skelly Claim Reporting Instructions

10. How many photos are required for each vehicle?

We require six color photos of your prized possession. We ask that you include four photos showing each of the 4 sides, one interior photo and one shot of your collectible’s engine. And by all means, send more if you want – we love to drool over your sets of wheels.

11. Who can drive my car? Can my kids drive it?

We only require that they follow our usage guidelines.

12. Do you require an appraisal?

Generally speaking, we don’t require appraisals for collectible vehicles. If you’ve suped-up your baby or asked to increase the agreed value, we may ask for receipts of parts and / or an appraisal.