Additional coverages
Vehicle Under Construction

Get better protection by adding Vehicle Under Construction (VUC) coverage when restoring or building a car.

A group of men and women collectively work on restoring a collector vehicle.

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.

A red collector car with just a frame and fender, being restored in a garage
1965 Ford Mustang
A green collector car without headlights, doors, or hood, being restored in a garage
1967 Sunbeam Tiger Mark II
A red collector car without a hood or doors, being restored in a garage
1969 Chevrolet Camaro SS
Get coverage that works for you
Let’s talk about additional coverages for your vehicle, tailored for car enthusiasts.

* 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.