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Assurance voiture de collection

Tuesday, September 20, 2022 Dernière modification le Wednesday, September 21, 2022

Que ce soit pour participer à des expositions ou pour quelques promenades d’agréments, les protections d'assurance d’une voiture de collection ne sont pas exactement les mêmes qu’une voiture de tous les jours, c’est pourquoi il est important de trouver l’assureur et la police d’assurance qui correspondent le mieux à vos besoins.

Qu’est-ce qu’une voiture de collection ?

Les termes utilisés pour parler d'une voiture de collection ou d'une ancienne voiture peuvent varier.  Plusieurs assureurs considèrent une voiture de plus de 25 ans comme une voiture de collection et ils les divisent en trois catégories distinctes : antique, classique ou d’intérêt spécial.

Si votre voiture n’a subi aucun changement ou modification, c’est une voiture antique.  Si elle a été restaurée et qu’il ne s’agit pas d’une réplique, on parle d’une voiture classique. Une voiture âgée de 15 à 24 ans, à cause de sa rareté ou de ses caractéristiques spécifiques, peut être considérée comme une voiture d’intérêt spécial.

Quels sont les facteurs qui influencent le coût de la police d’assurance ?

Bien sûr, les facteurs habituels tels que votre âge, votre sexe, votre dossier de conduite, votre territoire, les protections désirées et les rabais offerts influenceront votre prime d’assurance, mais il y a aussi d’autres facteurs qui s’ajoutent lorsque l’on parle d’une voiture de collection.  Il est de mise de discuter avec l’assureur de l’utilisation que vous faites de votre voiture de collection, car les facteurs suivants peuvent aussi influencer votre police d’assurance :

  • La valeur marchande de la voiture et sa valorisation avec le temps
  • S'il y a eu des modifications sur la voiture 
  • La couverture ou non des pièces de rechange
  • L'utilisation de la voiture pour des promenades récréatives occasionnelles sur la route
  • L'utilisation ou le transport de la voiture hors du Québec ou du Canada
  • La conduite de la voiture uniquement que par un conducteur expérimenté

Pourquoi magasiner son assurance ?

Pour choisir le produit d’assurance qui vous convient le mieux et aussi pour avoir le meilleur prix, il est vraiment important de magasiner son assurance.  En demandant une soumission sur, vous pourrez facilement comparer les produits et les offres de nos différents partenaires en assurance et faire le meilleur choix.

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