Get specialty insurance for your hot rod, modified, or custom vehicle.
Affordable coverage options that can be customized to you and your unique vehicle.
What classifies as a modified vehicle?
- Hot rods, street rods, resto mods, kit cars/replicas, pro-street, cobra replicas, low riders, tuners, and more.
- Significant performance increases
- Structural alterations to body/chassis/frame
- Custom paint job worth $10,000 or more
Additional optional coverages
- Cherished Salvage - In the unfortunate event of a covered total loss, keep your vehicle and still receive its Guaranteed Value®. No salvage value will be deducted from your final payment if you choose to retain your vehicle.
- Spare Parts - Your policy through Hagerty automatically includes $750 of comprehensive coverage for spare parts. Includes engines, chassis, tires, frames, hoods and more. Additional coverage available beginning at just $1.
- Automotive Tools - Coverage for personal tools used to maintain your modified vehicle. Includes tool boxes, storage cabinets, and accessories.
- Automobilia - Cover your valuable automotive collectibles. Includes any historic or collectible automobilia items such as posters and signs, gas pumps, model cars, license plates, and much more.
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.