Additional coverages

Vehicle Under Construction

Get better protection by adding Vehicle Under Construction (VUC) coverage when restoring or building a car. For an additional $20* per vehicle annually.

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.

Access to member assistance towing

A dedicated toll-free number to classic and collectible vehicle towing specialists who can help you get your car back and forth from the shop.

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
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* Rates subject to change.

** Value will return to original Guaranteed Value at renewal, unless you request a value increase and Hagerty agrees.

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.