Does Classic Car Insurance Cover Custom Parts?

If you have purchased or restored a classic car, custom parts may have been used on the car. One of the questions that we at Lebherz Insurance, serving the greater Frederick, MD area, are asked is whether classic car insurance covers these custom parts. If you are looking into purchasing classic car insurance, here is the information you should know about custom parts. 

Does Classic Car Insurance Cover Custom Parts?

In most cases, classic car insurance does not cover custom parts. Many individuals who purchase classic car insurance do not realize this until they are involved in an accident or need to recover money for their car and realize the value is less than they thought. If you ever doubt if something on your classic car is covered, always contact your insurance adjuster or carefully read through your policy. These things will help you determine whether something is covered or not. 

How Do You Cover Custom Parts on Classic Cars?

The best way to cover custom parts on classic cars is to purchase a supplemental policy for custom parts. You will then be required to list each custom part that is in your car and its value. If you make changes to your car, you will need to update your supplemental policy. Buying a supplemental policy gives you peace of mind that each and every item listed on the custom parts list is fully covered in case you are involved in an accident, someone damages your car or your classic car is stolen. 

If you are looking to obtain car insurance for a classic car in the greater Frederick, MD area, Lebherz Insurance can help you. Call us today to discuss your needs and let us put together the right insurance policy for your needs.