What happens if I modify my classic car?

Asked 4 months ago
Modifying a classic car can have significant implications for its insurance coverage, particularly when it comes to Hagerty Classic Car Insurance. When a vehicle is altered, whether by upgrading the engine, changing the suspension, or making any other modifications, it is essential to understand how these changes may affect its insured value and coverage. If the modifications enhance the car's performance or aesthetic appeal, they may increase its overall value, which should be reflected in the owner's insurance policy. Hagerty Classic Car Insurance is designed to cater to the unique needs of classic car enthusiasts. When modifications are made, it is advisable to inform the insurer to ensure that the vehicle's value is accurately represented. Failing to do so may result in inadequate coverage in the event of a claim. Moreover, some modifications may come with specific limitations or exclusions in the policy, making it important to understand what is covered. For the latest information regarding how modifications affect insurance coverage, car owners can refer to the Hagerty website or their policy documents. This will provide clarity on how modifications interact with the specifics of the insurance policy in place.
Christian Allen is the editor / author responsible for this content.
Answered Aug 16, 2025

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