I've been pretty happy with Hagerty. In order to come to an agreement on value they usually ask to see pictures, and if they think your number is high they ask for documentation of invoices, etc. In my case, I keep having to send over documentation every time I want to update the policy. At most it is mildly annoying that they won't just accept my figure, but I can't blame them, and if that's my biggest complaint I think doing pretty well. As for wondering about how they handle heavily modified cars...well, I think the only original things left on mine are parts of the sheet metal. Everything else from suspension to glass is new and after providing invoices Hagerty was happy to insure my car for exactly what I had into it.
Matt
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