I copied this off my HAGERTY CLASSIC AUTOMOBILE POLICY (in .pdf form)
I. "Your covered auto" means:
1. Any "antique vehicle" or "classic vehicle"
shown in the Declarations.
2. Any "antique vehicle" or "classic vehicle"
on the date you became owner during
the policy period, provided that it
replaces one shown in the Declarations
and you ask us to insure it within thirty
days after you become the owner. This
automatic coverage for replacement
vehicles does not apply to Part D -
Coverage For Damage To Your
Covered Auto. An endorsement must be
issued to fully cover any additional
vehicles you acquire.
J. "Antique vehicle" means a motor vehicle 25
years or more of age that:
1. Is maintained primarily for use in car
club activities, exhibitions, parades,
other functions of public interest or for a
private collection; and
2. Is used only infrequently for other
purposes.
K. "Classic vehicle" means a motor vehicle of
unique or rare design and of limited
production that is an object of curiosity and:
1. Is maintained primarily for use in car
club activities, exhibitions, parades,
other functions of public interest or for a
private collection; and
2. Is used only infrequently for other
purposes.
L. "Regular use vehicle" means a motor
vehicle which is used for regular driving to
work, school, shopping, errands or for
general transportation and is not an "antique
vehicle" or "classic vehicle."
EXCLUSIONS
We do not provide Liability Coverage for any
“insuredâ€:
1. Who intentionally causes "bodily injury"
or "property damageâ€.
2. For "property damage" to property
owned or being transported by that
“insuredâ€.
3. For "property damage" to property:
a. Rented to;
b. Used by; or
c. In the care of;
that “insuredâ€.
This exclusion (3.) does not apply to
"property damage" to a residence or
private garage.
4. For "bodily injury" to an employee of that
“insured†during the course of
employment. This exclusion (4.) does
not apply to "bodily injury" to a domestic
employee unless workers' compensation
benefits are required or available for that
domestic employee.
5. For that “insured’s†liability arising out of
the ownership or operation of "your
covered auto" while it is being used to
carry persons or property for a fee.
6. While employed or otherwise engaged
in the "business" of:
a. Selling;
b. Repairing;
c. Servicing;
d. Storing; or
e. Parking;
vehicles designed for use mainly on
public highways. This includes road
testing and delivery.
7. Maintaining or using "your covered auto"
while that “insured†is employed or
otherwise engaged in any "business"
(other than farming or ranching) not
described in Exclusion 6.
8. Using "your covered auto" without a
reasonable belief that that “insured†is
entitled to do so.