What must an insured have in addition to collector vehicles for collector multi-vehicle coverage?

To obtain collector multi-vehicle coverage, it is required that the insured have a general transportation vehicle under Autoplan Basic in addition to their collector vehicles. This requirement underscores the nature of collector vehicle insurance, which typically applies to those who also maintain a standard vehicle for everyday use. The purpose is to ensure that while the collector vehicles are covered as part of a specialized insurance plan, the insured also has a functional, roadworthy vehicle that serves their daily transportation needs.

The inclusion of a general transportation vehicle ensures that the insured is not solely reliant on their collector vehicles, which may be less practical for everyday driving due to their age or specialized use. This requirement helps the insurer manage the risks associated with insuring high-value collector vehicles while ensuring that the policyholder has access to a vehicle that meets their regular transportation needs.

The other choices do not fulfill the necessary conditions for collector multi-vehicle coverage, as having additional collateral, a vintage vehicle, or no additional requirements does not provide the same level of assurance or alignment with the insurance policy guidelines.