Harvey Insurance is a trusted local agency serving families and businesses across Texas, Oklahoma & Arkansas — backed by America’s most reputable carriers.
A project car is worth more every month and is usually sitting in somebody else’s building. Both of those facts need to be in the policy.
Harvey Insurance is a trusted local agency serving families and businesses across Texas, Oklahoma & Arkansas — backed by America’s most reputable carriers.
Central Arkansas has the shops, the fabricators and the paint work to support long restorations, and long restorations create a coverage problem that finished cars do not have. A project is a moving target. The shell that arrived worth very little acquires an engine, a driveline, chrome, glass, upholstery and finally paint, and at every stage it is worth more than the figure written on a policy at the beginning. Owners who insure a project once and never revisit it are insured for what they started with, which is exactly the wrong number by the time there is something to lose. The second half of the problem is location. For months or years that car is not at your house — it is at a restorer’s, a machine shop, an upholsterer, a paint booth, and moving between them. A shop’s garagekeepers coverage exists, but it is the shop’s limit, shared across every car in the building, and a fire that takes a full shop does not divide neatly. Your own policy should stay in force throughout, describing where the car actually is, and the value should be revised as the receipts accumulate rather than in one panicked call after something happens.
Get a Free Collector QuoteA value that climbs and a location that keeps changing.
Shops, storage and the roads a finished car earns.
The restorers, fabricators and paint work that make a long build possible here.
Where a car sits between shops, often partly disassembled and rarely fully insured.
Open road west along the Arkansas River, the shakedown route for something freshly finished.
Central Arkansas events, and the transport exposure of getting a finished car to them.
Engines, trim and driveline waiting their turn, usually in a separate building from the car.
FAQ
Insure it at what it is worth now, and call us again when that changes.
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Also in Little Rock: Little Rock homeowners insurance, Little Rock auto insurance, Little Rock landlord insurance, Little Rock renters insurance and Little Rock umbrella insurance.
Part of our Arkansas classic & collector car insurance coverage.