Modified Car Insurance
Custom Coverage For Your Mod
Coverage Built for Modified Vehicles
Modified vehicle insurance covers cars that no longer match what the factory built. That's the whole problem with a standard policy: it insures the original car. The LS swap, the coilovers, the paint that took eleven weeks, none of it registers. Insure a finished build conventionally and you're underinsured by exactly the amount of work you did.
What Qualifies as a Modified Vehicle
Hot rods, street rods, resto mods, custom cruisers, modified imports, replicas, and cars that look stock until you open the hood. Age isn't the test, the work is. What qualifies is how you own it: not a daily driver, stored securely, driven for enjoyment. One piece of advice from the people who pay these claims, photograph everything and keep receipts. Documented builds get valued correctly.
What Modified Vehicle Insurance Covers
Agreed Value
Agreed Value covers the finished car including the work, not the factory version of it. We set the number with you, which on a build means talking through what actually went in rather than looking up a model year.
Tools & Spare Parts
The core policy includes $1,000 for tools and spare parts, plus $250 for a car cover. After a garage fire the loss is rarely just the car. It's the spare carburetor, the original tool set, and the shelf you've been filling since the project started. OEM parts and your choice of shop come standard.
Vehicles Under Construction
A project has real value long before it turns a wheel. With the Vehicles Under Construction Endorsement insured value rises 10% every three months, up to $25,000 above your starting figure, with an extra $1,000 in tool coverage. Your coverage climbs while the build does, instead of waiting for a renewal date.
Why Get Modified Vehicle Insurance from OpenRoad
Valuing a one-off build takes a person who's seen a few. That's what we do, and only what we do. Quotes take minutes. Claims go to a team that handles modified cars every day and won't ask you to prove your own work twice. 88% of clients surveyed would recommend us to a friend. After a claim, 97% would. Most insurers dread that survey. We don't.
The Types of
Modified Vehicles
We Love To Cover
There's Nothing Standard About Our Coverage
Because there’s nothing standard about your vehicle.
We’re collectors too, which is why we include all the protections you care about most.
All the Coverage,
None of the Hassle.
Every classic car insurance policy includes agreed value coverage, OEM parts, your choice of repair shop, and tools & spare parts protection. Standard, not upsold.
Service that Actually
Feels like Service.
Everybody says it. Almost nobody delivers it. We answer the phone when you call, and we stay on it until you have what you need. 88% of clients surveyed would recommend us to a friend. 97% after a claim. Our Google rating is 4.9. Real service, from real people who love cars.
Premium Protection
Without the Premium Price.
As collectors ourselves, we built the coverage we'd want on our own cars. The price reflects limited miles and secure storage, because that's how these cars are owned.
Our Coverages
Your vehicle is far more than the sum of its parts. Which is why our coverage is tailor made for collectors and enthusiasts.
Agreed Value Coverage
Agreed value coverage guarantees you and OpenRoad agree on your car's value upfront, so you're paid that exact amount in the event of a total loss. No depreciation, no surprises.
Tools & Spare Parts Coverage
$1,000 of comprehensive coverage for your insured vehicle’s spare parts and tools.
Additional Coverages
We cover all the details you care about: replacement windshields, OEM parts, repairs at the shop of your choice, even the expense of an emergency evacuation.
Optional Coverages
Let you retain your sentimental salvage in the case of a wreck, and cover vehicles under construction.
Serious Coverage.
Simple Process.
Start your quote in minutes and see how much you could save.