Modified vehicles: street rods, replicas & lowriders
The degree to which a vehicle has been modified determines both its acceptability for our program and the rate at which it will be quoted. We consider a vehicle to be modified when the performance has been significantly increased, the body/chassis/frame has been structurally altered or a custom paint job is valued above $10,000.
-
Custom paint job
-
Vehicle modification
-
Engine enhancement
Replicas
A replica car is a reproduction of an automaker’s manufactured vehicle. They can either be professionally assembled or home-built and because of this we take a closer look at the quality of each vehicle. Hagerty does not offer insurance on inexpensive, home-built kit cars. Replica cars should duplicate vehicles that are no longer in production. Some examples are the 1950’s Porsche Speedster and 1920’s Mercedes Benz Roadster.
-
1980 Shay Model A
-
1929 Mercedes BNZ
-
1931 Ford Model A
Lowriders
Lowriders are vehicles that have typically been modified with hydraulic or air bag suspension systems which enable them to be lowered within a fraction of an inch off the ground or possibly "bounced" so that the front end of the car comes completely off the ground. They are also typically customized to include elaborate "gold flake" paint jobs, intricate air brushed murals, wire wheels, custom rims, plush interiors, and expensive stereo systems. Usage of these vehicles will be examined carefully when determining program eligibility.
All coverages are not available in all provinces. This is only a general description of coverage. All coverage is subject to policy provisions, exclusions and endorsements.