One division of that department is classic car insurance. In the fine arts department we deal primarily with rich people, and rich people often own at least one or even several classic automobiles. We felt there was a need out there for the right insurance products. Utah is another area of the United States where there are a good many classic car collectors. We provide coverage for classic cars in storage, cars in transit when they're being taken to shows and physical damage when on the road, but not liability.
Liability is a different cover.
We do private owners and museums. We've had a single wording policy since 1989. According to O'Neill, classic cars usually fall into the pre-1985 category. That's in general, of course. We applaud other clubs who do recognize these non-classic cars and recognize that owning one can be a lot of fun, but they are not what the CCCA is all about.