Hot Rod & Classic Car Insurance NZ: Protect Your Pride and Joy

Finding the right insurance for your hot rod or classic car in New Zealand requires a specialist approach. Standard car insurance often fails to recognise the true value of a unique vehicle, leaving you underinsured. At CI Motorhomes, we partner with Star Insure to provide agreed value policies that protect your investment, cover your modifications, and give you peace of mind on the road.

Why Your Hot Rod or Classic Car Needs Specialist Insurance

A hot rod isn't just a car; it's a passion project built with countless hours of work and unique parts. A standard policy calculates value based on the original factory model, ignoring thousands of dollars in modifications. Specialist hot rod and classic car insurance works differently:

Agreed Value: A fair value for your vehicle is agreed up front. In the event of a total loss, you receive the full agreed value, not the market rate.

Modification Cover: Custom parts, from the engine to the paint job, are factored into your policy, so your whole investment is protected.

Flexible Use: Policies are designed for how enthusiasts actually use their vehicles, with options for limited mileage, club events and rallies.

What's Included in Our Recommended Cover

• Agreed Value: Lock in your vehicle's value for the term of the policy.
• Cover for Modifications: Your custom and performance parts are covered when declared.
• Repairer of Choice: You decide who repairs your car, so the work is done right.
• Roadside Assistance: Nationwide breakdown help.
• Salvage Rights: After a total loss, you often have first right to buy back the salvage.
• Limited Use Options: Lower premiums if you only drive on weekends or to events.

Modified Vehicles and LVVTA Certification

In New Zealand, many modified vehicles need LVVTA certification to be road legal. Having your certification in order makes insuring a modified car simpler, so have your paperwork ready when you get a quote.

Frequently Asked Questions

How much does hot rod insurance cost in NZ?

It depends on your car's agreed value, how often you drive it, where it's stored and your driving history. A quote gives you your actual price.

Can I insure an unfinished build?

Some specialist policies cover project cars during a build. Ask when you request your quote.

Are my modifications covered?

Yes, when they're declared. Always list your modifications so they're included in the agreed value.

What is agreed value cover?

You and the insurer agree on your car's value when the policy starts. If it's written off, you receive that amount, not a lower market value.

Do I need LVVTA certification to get insured?

Modified vehicles that need LVVTA certification to be road legal should have it in place. Have your certificate ready when you get a quote.

Get a Free, No-Obligation Quote

Protecting your investment is simple. Get your hot rod or classic car insurance quote online now.

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Financial Disclosure: CI Motorhomes acts as a referral agent for Star Underwriting Agents Limited (Star Insure) and receives commissions on placed policies. We do not provide financial advice. Quotes are subject to underwriting.