Insurance products
Insurance for modified cars
Get custom car insurance for your kit car, replica, or street rod.
How much your vehicle is modified and its types of modifications determine whether it fits our program.
What classifies as a modified vehicle?
- Significant performance increases
- Structural alterations to body/chassis/frame
- Custom paint job worth $10,000 or more
Insuring kit cars and replicas
Replicas or reproductions should duplicate vehicles that are no longer in production, such as the 1950s Porsche Speedster and the 1920s Mercedes Benz Roadster. The quality of construction for these vehicles can vary significantly, so we take a close look prior to offering insurance.
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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.