Daroy Insurance Agency

Antique and Classic Automobile Program

Eligibility Requirements

1. Automobiles are primarily used as hobby vehicles. This includes exhibitions, club activities, parades or other functions of public interest. Occasional pleasure drives are acceptable.
   
2. The minimum vehicle value is $2,000.
   
3. Eligible vehicles for this program are at least 19 years old and in original condition. If the body of the vehicle has been modified and/or the engine altered to increase speed, the vehicle may be eligible for the Modified program.
   
4. All vehicle operators must be at least 25 years of age and should have a good driving record with no more than one moving violation and one at fault accident within the last three years.
   
5. All vehicles must be kept in a locked, fully enclosed garage when not in use.
   
6. The underwriting mileage guideline is 2,500 miles per year but additional mileage requests are considered.

Modified Automobile Program

Eligibility Requirements

1. Automobiles are primarily used as a hobby vehicle. This includes exhibitions, club activities, parades or other functions of public interest. Occasional pleasure drives are acceptable.
   
2. Racing is prohibited, as are vehicles with nitrous oxide and roll cages.
   
3. The minimum vehicle value is $3,000.
   
4. All vehicle operators must be at least 25 years of age and should have a good driving record with no more than one moving violation and one at fault accident within the last three years.
   
5. All vehicles must be kept in a locked, fully enclosed garage when not in use.
   
6. The underwriting mileage guideline is 3,500 miles per year but additional mileage requests are considered.

What is a Modified Auto?

Any automobile that has been modified from its original condition. Think street rods, replicars, kit cars and exotic vehicles like muscle cars that are used as hobby vehicles. Eligibility requirements include but are not limited to: minimum vehicle value, minimum operator age, mileage guideline and storage requirements.

Eligible cars:

Whether it’s chopped, channeled, lowered, chromed, Frenched or flamed – or it’s powered by a flathead, hemi, mouse motor, side oiler, Caddy or an Olds rocket the Modified Auto Program is the perfect fit.

Street Rod – a vehicle manufactured prior to 1949 whose body, chassis, engine suspension or interior has been modified.

Customized/Modified – a vehicle manufactured after 1948, which is at least 20 years old and has been altered from its original condition.

Replicar – a commercially assembled reproduction of any motor vehicle at least 25 years old.

Kit Car – a motor vehicle at least 25 years old consisting of separately manufactured components that are assembled by the purchaser.

Exotic Vehicle – a motor vehicle that is considered to be increasing in value rather than depreciating because of its specific make, model year of manufacture and exceptional physical condition.

Eligibility Requirements:

• Automobiles in this category are primarily used as a hobby vehicle. This includes exhibitions, club activities, parades or other functions of a public interest. Occasional pleasure drives are acceptable.
  
• Racing is prohibited. As are vehicles with nitrous oxide and roll cages.
  
• The minimum vehicle value is $3,000.
  
• All vehicle operators must be at least 25 years of age and should have a good driving record with no more than one moving violation and one at fault accident within the last three years.
  
• All vehicles must be kept in a locked, fully enclosed garage when not in use.
  
• The underwriting mileage guideline is 3,500 miles per year, but additional mileage requests are considered.