Vehicle Under Construction
Get better protection by adding Vehicle Under Construction (VUC) coverage when restoring or building a car.
Vehicle Under Construction coverage includes:
Automatic quarterly value increases
Your car's Guaranteed Value® will automatically increase 10% per quarter up to a maximum increase of $25,000.**
Additional tool coverage
$750 worth of coverage for your automotive tools.
Insuring a project car
Because the process of restoring a collector vehicle is a significant part of the hobby, we are happy to offer coverage for vehicles that are being “actively” restored. An applicant must demonstrate that the vehicle is being actively restored. Good photographs and restoration details will help verify an active restoration.
* Rates subject to change.
** Value will return to original Guaranteed Value at renewal, unless you request a value increase and Hagerty agrees.
Policies underwritten by Essentia Insurance Company. Hagerty determines final risk acceptance. Some coverage not available in all states. This is a general description of coverage. All coverage is subject to policy provisions, exclusions and endorsements.