The degree to which your vehicle is modified and the types of modifications determine whether it fits our program.

What classifies as a modified vehicle?

Characteristics of modified vehicles include:

• 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. Hagerty does not offer insurance for inexpensive, home-built kit cars.