Yes, American Collectors Insurance (ACI) provides Automatic Temporary Coverage for newly acquired collectible vehicles — a very helpful benefit for classic car enthusiasts.
🚗 What Is Automatic Temporary Coverage?
When you’re an existing policyholder with ACI and you buy a new eligible collector vehicle, you automatically get temporary coverage for it — even before you formally add it to your policy.
✅ Key Details:
| Feature | Description |
|---|---|
| Coverage Period | Up to 30 days from the date of purchase |
| Coverage Amount | Up to $100,000 in Agreed Value for each new vehicle |
| Who’s Eligible | Must already have an active collector vehicle policy with ACI |
| Vehicle Type | Must meet ACI’s collector vehicle guidelines (not daily-use, garage-kept) |
| No Additional Cost | This feature is included in your policy — no separate premium required |
🔒 Why It’s Useful:
- Immediate peace of mind: You’re protected right after purchase, even if the insurer hasn’t formally added the new car to your policy yet.
- Safe transfers: Perfect for those buying collector vehicles at auctions, from private sellers, or classic car dealers.
- No rush: Gives you time to submit documents and complete inspections, while already being insured.
⚠️ Important Reminders:
- You must notify ACI within 30 days to continue coverage.
- The vehicle must qualify under ACI’s collector vehicle standards.
- If the car’s value is more than $100,000, you should notify ACI immediately to ensure full coverage.
Would you like help determining if your newly purchased vehicle qualifies for this automatic coverage, or do you want to see how it compares with Hagerty or Grundy’s similar policies?
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