Modified vehicles: street rods & replicas
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
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
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.