Protect your investment until next spring
As fall settles in and temperatures drop, many car enthusiasts in Ontario start preparing to store their classic car or summer cars for the winter. Whether it’s a cherished vintage car, a convertible, or a sports coupe that only sees sunny days, proper storage helps preserve both its condition and its value. Beyond a simple garage spot, there are several steps—and insurance considerations—to keep in mind before tucking your vehicle away until spring.
1. Give It a Thorough Clean and Wax
Before storage, give your car a detailed wash, including the undercarriage. Dirt, road salt, and grime can cause corrosion over time if left unchecked. Once dry, apply a good-quality wax to protect the paint and keep moisture at bay. Don’t forget to clean the interior as well—vacuum carpets, wipe down leather or vinyl surfaces, and remove any food or trash that might attract pests during storage.
2. Top Up Fluids and Add Fuel Stabilizer
A full tank of gas prevents condensation from forming inside your fuel system. Add a fuel stabilizer to keep the gasoline from breaking down during months of inactivity. It’s also a good idea to check and top off other fluids such as engine oil, coolant, brake fluid, and windshield washer fluid. If your vehicle will sit for more than three or four months, consider changing the oil beforehand—used oil can contain contaminants that may harm the engine over time.
3. Protect the Battery
Batteries can lose their charge when a car sits unused for long periods. To avoid having to buy a new one in the spring, either disconnect the battery or, better yet, connect it to a battery maintainer (trickle charger). This device keeps the charge steady without overcharging, ensuring your car is ready to go when the warmer weather returns.
4. Guard Against Flat Spots
If your vehicle will be parked for several months, tires can develop flat spots from sitting in the same position. You can prevent this by slightly overinflating them (check the manufacturer’s recommendations) or by using tire cradles. If your car will be stored in a private garage, you might also consider placing it on jack stands to relieve pressure from the suspension and tires.
5. Keep Pests Away
Small animals sometimes see an unused car as a cozy winter home. To prevent unwanted guests, close air vents, block the exhaust and intake with steel wool, and place a few pest repellents in and around the vehicle. Avoid using mothballs, as they can leave a strong odor; natural alternatives like peppermint oil or cedar blocks can work well.
6. Cover It Up
A breathable, fitted car cover offers an extra layer of protection from dust, moisture, and minor scratches. Avoid plastic tarps, which can trap condensation and promote rust. If you’re storing the vehicle outdoors, consider investing in a weatherproof, UV-resistant cover.
7. Review Your Insurance Coverage
Before you store your vehicle, contact your insurance broker to review your coverage. You may be eligible for seasonal insurance adjustments, which can reduce premiums while keeping your vehicle protected against theft, fire, and other storage-related risks. For classic or collector cars, specialized insurance policies often include “laid-up” coverage for the months when the vehicle isn’t driven.
Even if your car isn’t on the road, maintaining comprehensive coverage ensures peace of mind all winter long. If the unthinkable happens—such as fire, vandalism, or a storage facility break-in—you’ll be covered.
Get Ready for Next Spring
A little preparation now means fewer headaches later. When spring arrives, your car will be clean, charged, and road-ready. Proper storage not only preserves your vehicle’s beauty but also protects your investment—something every car lover can appreciate.
If you’re unsure about your coverage options or want to explore specialty insurance for classic and collector vehicles, contact SurNet Insurance Group Inc. today. We’ll help you find the right protection for your prized ride—season after season.
