Additional coverages
Vehicle Under Construction

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

Vehicle Under Construction Billboard Image Asset

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.

1965 Ford Mustang Image Asset
1965 Ford Mustang
1967 Sunbeam Tiger Mark II Image Asset
1967 Sunbeam Tiger Mark II
1969 Chevrolet Camaro SS Image Asset
1969 Chevrolet Camaro SS
Get coverage that works for you
Let’s talk about additional coverages for your vehicle, tailored for car enthusiasts.
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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.

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.