The collection
Restomods & modified classics
Classic character. A different specification. Give the insurer the full build story.
Write the build sheet for someone new to the car
Start with the underlying vehicle identity, then list changes to the chassis, body, powertrain, braking, suspension, interior and electronics. Record who completed major work and retain supporting invoices. Explain any unfinished items and keep a dated note of work still planned.
Photographs should show the current build rather than a previous stage. Identify documented facts and avoid making unsupported claims about output, originality or component specifications.
Discuss value without equating cost and value
Separate purchase cost, parts, paid labor and your own time in the records. Those details explain the project, but do not automatically determine the value an insurer will accept. Ask what evidence is needed and how the accepted figure will be recorded.
Hagerty's modified-vehicle page illustrates that some programs address this category specifically. Program eligibility and terms remain separate from the general idea that a modified car is collectible.
Keep the policy conversation current
Before a major upgrade, ask whether the proposed change affects eligibility, value or any other term. Review the intended driving use as carefully as the parts list, especially if the build will participate in track or competitive events.
Our restoration guide covers work in progress, and the valuation guide covers settlement questions. Keep written confirmation when changes to an existing policy are accepted; a build invoice by itself does not amend insurance.
General education, not a coverage determination. Your policy and insurer’s written terms control. How we prepare our content.