When you take out an insurance policy on your classic car or classic motorcycle, we will ask you the value that you wish to insure it for. As you will be aware, the true value of a classic vehicle can vary considerably based on it's condition, mileage, history, and any special features or modifications it may have. So in order for us to agree to the value you wish to insure the vehicle for, we need to determine it's value.

In most cases, we can do this using photos you provide (via email to nz.classic@assurant.com) as part of your application process, and from these we will be able to determine if we can agree to your requested Sum Insured or if further investigation is required. For more details on this, see the separate FAQ titled "How do I determine the correct value for the Sum Insured on my classic vehicle insurance policy?".

We understand that sometimes organising the photos can take some time, and that you want to get insured as quickly as possible so that you can get out and enjoy your car or motorcycle. So, Assurant's classic vehicle insurance can cover you immediately, but your cover is based on Market Value until we receive your photos and we agree to the Sum Insured you requested. This temporary Market Value cover works in a very similar manner to the Market Value on our normal Car Insurance policy, but we will use classic vehicle specialists (including independent vehicle valuers) to determine the vehicle's value if it is written off or stolen during this period.