Modified vehicles

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

Modified vehicles can include the following:

• Significant performance increases such as an addition of a blower, supercharger or turbocharger
• Structural alterations to the body/chassis/frame
• Custom paint worth $10,000 or more
• Hydraulics
• For information on Modified Trucks, SUVs and Jeeps, click here.

Replicas

Replicas should duplicate vehicles that are no longer in production, such as '50s Porsche Speedsters or '20s Mercedes Benz Roadsters. Because the quality of these vehicles' construction can vary greatly, we may require additional documentation of the vehicle's condition prior to offering a policy. To qualify for our program, replicas must meet the following requirements:

• Minimum value is $3,500
• Minimum value is $15,000 for Shelby Cobra replicas (because of the power and performance these replicas may have, additional underwriting criteria may apply)

Vehicles modified with 650 or more horsepower

Vehicles that have been modified with 650 or more horsepower can be considered.  To qualify for our program, they must meet the following requirements:

• Minimum value is $15,000
• Named insured and operators must have 10 years' driving experience
• Prior experience with a high-performance vehicle is required
• One minor claim or violation for the household may be acceptable
• Vehicles modified with more than 900 horsepower may qualify for comprehensive/limited trailer and paddock coverage only

Custom Cruisers

Custom Cruisers are large-bodied vehicles with custom rims which are 22" or larger or wire-spoke. To qualify for our program, Custom Cruisers must meet the following requirements:

• Minimum value is $15,000
• An appraisal may be required**
• Vehicle must be stored in an enclosed and secure garage at the primary residence
• Photos of the vehicle inside the garage are required prior to offering coverage
• Must have an active Vehicle Recovery System**
• Requires a minimum $2,500 comprehensive and collision deductible*
• Bounced vehicles can be considered in all states except KS, NC, NY, and VA

Custom Imports

Custom Imports are generally Asian or European manufactured sport compact vehicles that are customized for looks and/or performance. These vehicles are usually 1990 and newer that have been customized by modifying the engine and installing a body kit. To qualify for our program, Custom Imports must meet the following requirements:

• Minimum value is $7,500
• Vehicle must be kept in an enclosed and secure garage
• Operators with less than 10 years' driving experience must have a clean driving record and claims history
• 1 year of comparable driving experience is required for operators with less than 10 years' driving experience when the vehicle has over 400 HP
• Requires a minimum $1,000 comprehensive and collision deductible*