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    Frequently Asked Questions - All

    Beyondnice's frequently asked questions will help you learn more about our classic car insurance policy, Beyondnice Drivers Club™ and how we handle classic car claims.

    • Simply put, we want you to enjoy your classic vehicle. While there are some restrictions in the policy, you’re covered for pleasure use, whether it's a drive on a gorgeous summer day, a trip to the ice cream shop, attending club events or going to shows. If you have specific questions about usage, especially if you own a newer vehicle (generally 1990 and newer), we're happy to discuss them with you.

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    • Guaranteed Value insurance policies guarantee that, in the event of a covered total loss, you will receive the vehicle’s full insured value, which we will have already agreed on. Please see the policy features main page for more details.

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    • Yes. Having an accident while traveling can be a very frustrating experience, putting you in the position of having to pay for additional expenses that wouldn't be covered under your basic Beyondnice policy. Beyondnice offers Traveling Collector coverage, which allows you to recover up to $1,500 for the use of a rental vehicle, repayment of lost event expenses (tickets, fees, etc.) and lodging required during repairs. It also includes added coverage for spare parts, tools and personal effects and accidental death coverage.

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    • Yes. Generally, it's $100, although that number may differ in some states.

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    • Yes. We understand the importance of having your vehicle properly repaired, and the peace of mind that comes from knowing it is in good hands. So you always have the choice of where to repair your vehicle.

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    • No. Unlike most regular marine policies and companies, Beyondnice does not specify certain lay-up periods when your vessel must be out of the water. Nor do we limit the regions where you can operate your vessel. Many companies require you to pay for additional endorsements should you travel outside of the areas listed in your policy. Not Beyondnice. Our policy allows for unlimited navigation and transportation in the U.S. and Canadian inland and coastal territorial waters (understood to be up to 12 miles offshore).

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    • Our rates anticipate limited usage and factor in your geographic area. We understand that most classic boats will not be used on a daily, or even monthly, basis. The annual premium rate takes into consideration that the vessel will not be used frequently; however, as noted above, there are no restrictions on personal pleasure usage.

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    • You have three options:

      1. Call the Beyondnice Claims Department at -4050, ext 4.
      2. File a claim online
      3. If you have an agent, you can contact them to have them file the claim for you.

      Note: There are conditions in the policy requiring timely filing of claims. Please don't delay.

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    • You must first login to the secure portion of our site. Login by clicking on the Account Management link located above in the right-hand corner of the page. Once you are logged in: 
      1. Choose Manage My Policy from the left-hand menu.
      2. To see your payment history, click on View Payment History from the left-hand menu.
      3. To pay an outstanding bill, click on View and Pay bill in the left-hand menu.

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    • Yes, we can write houseboats.

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