Hot Rod and Custom Car Insurance
We adore traditional classic motors but we also appreciate the art of the modified vehicle. If you are looking for hot rod insurance or cover for your custom car – you have come to the right place.
Why choose Howden for hot rod and custom car insurance?
Howden is the new name for Cherished Vehicle and RH Specialist Insurance.
As an insurance broker with experience dealing with specialist motor policies, we pride ourselves on doing the heavy lifting, so you don’t have to. Thanks to the great relationships we have with our selected panel of standard and specialist insurers, we make the process of comparing multiple motor insurance policies, on your behalf, simple and easy. What’s not to like?
We also know that each policy needs to be as individual as its owner and their hot rod or custom car, and that’s exactly why we provide a personalised service, focused on getting to know you and finding out more about what you want from your insurance coverage.
Ultimately, whether you need to make a claim, purchase a new specialist motor policy, or renew an existing one, just know we’re here to help.
Benefits of working with us:
- You can trust us – we’re rated Excellent on Trustpilot.
- We’re driven to save you time, money, and hassle.
- Benefit from a tailored service that comparison sites can’t provide.
- Speak with your local branch, within your community.
- We’re right by your side in the event of a claim.
How does hot rod and custom car insurance work?
We know that hot rods and custom cars don’t fit in the traditional car insurance world. From ‘hopped up flatheads’ to ‘blown hemis’ and ‘nailheads’, whether you have a 3 or 5 window ‘hot rod’, a ‘street rod’ or a ‘gasser’, we can help you find an insurance policy that suits you and works best for your vehicle.
Standard car insurance policies might not adequately cover the value and risks associated with hot rods and custom cars, with their unique features, high-performance modifications, and personalised designs. Therefore, specialised hot rod and custom car insurance is necessary to protect these unique vehicles properly.
Policy benefits may include:
- Agreed value cover: the value of the vehicle is set before you buy a Hot Rod or Custom car insurance policy
- Most modifications can be covered
- Custom parts and equipment cover
- Limited mileage discounts
- Club member discounts
- UK & EU breakdown cover
- Retained vehicle salvage rights: if your pride and joy is damaged beyond economical repair.
Get in touch today and we can help you find a hot rod and custom car quote that’s right for you.
More resources
Guides about modified vehicles
Need more information about modified vehicles? You’ve come to the right place.
Guides about cars
Learn more about cars and the insurance policies which insure them!
Guides about car insurance
- Who is my car insured with? How to find out
- Someone hit my car. Whose insurance do I call (UK)?
- Car insurance groups: A complete guide
- Car insurance renewal tips
- Can you insure a car you don’t own?
- Rental cars and insurance: What you need to know
- Car insurance for over 80s: your essential guide
- Can you use a no claims bonus on two cars?
- If my car is written off, what happens to my insurance policy?
- Car insurance for convicted drivers: What to know
- Agreed value car insurance: all you need to know
- Your guide to car insurance for a financed car
- Car insurance without a black box: What to know
- Does my credit score affect car insurance?
- Can you drive a SORN car to an MOT without insurance?
- Car insurance cancellation laws in the UK: What to know
- Does car insurance cover repairs? All you need to know
- How much voluntary excess should I pay on car insurance?
- Your guide to low-mileage car insurance
- Your guide to car insurance for 17 year olds
- Car insurance for over 60s: your essential guide
- Car insurance for test drives: everything you need to know
- Car insurance for women
- How to reduce car insurance: 12 tips
- Do I need legal cover on car insurance?
- What are car insurance occupation categories?
- What is multi car insurance? How it works and more
- Is multi car insurance worth it? How to decide
- When does my car insurance run out?
- Your guide to Cat S car insurance
- Car insurance for non-UK residents: What to know
- Car insurance change of address: What to know
- What is third-party car insurance? A guide
- Does car insurance cover engine failure?
- Does car insurance cover flood damage?
- Does car insurance cover lost keys?
- Does car insurance cover vandalism?
- Does car insurance cover mechanical problems?
Guides about maintaining and looking
- How to Jump Start a Car: 5 Steps
- Car Warning Lights Explained: Your Guide
- FSH: The Meaning of Full Service History, and More
- Everything you need to know about a car write-off
- Why does my car alarm keep going off?
- How to charge a car battery: a 4 step-by-step guide (2026)
- How long does a car battery last?
- Wrong fuel in your car? Here’s what to do
- What is ESP on a car?
- How long do car tyres last?
- What does a car service include?
- Car warranty cover: What to know
- How much oil does my car need? A handy guide
- How to change a car battery
- MOT FAQs - Everything you need to know about MOTs
- Is it Illegal to Drive Barefoot in the UK?
- How to cancel car tax
- What engine is in my car? 3 ways to find out
- What should I do if my car has a chipped windscreen?
Guides for young drivers
We have a wide range of guides that outline everything young drivers need to know about vehicles and motor insurance policies:
About insurance
- What to know about driving test insurance
- The 10 cheapest cars to insure for new drivers in 2026
- Learner driver insurance: a complete guide
- New driver insurance: 10 money saving tips
- Black box insurance myth-busting
Learning to drive
- The Pass Plus course: is it actually worth it?
- What happens after I pass my driving test?
- How to book your theory test: a 6 step guide
- The 5 best theory test apps for learners in 2026
- Top 10 tips for passing your theory test
- Taking the theory test if you have learning difficulties, a disability or health condition
- How to book your practical driving test in 2026
- Where are you most likely to pass your driving test?
- Your practical driving test questions answered
- 15 driving test tips to help you ace your test
- Are you ready for your test? Your driving test checklist
- Your provisional driving licence
- How do I find the right driving instructor? Our top 10 tips
- How many driving lessons do you need?
- How much do driving lessons cost in the UK?
- Private practice: everything you need to know
- Manual vs automatic cars: which is best for learner drivers?
- Driving lesson anxiety: 10 tips for nervous drivers
- New drivers and penalty points: what are the rules?
- New changes in driving theory test to include CPR: what learners should know
Guides about motorbikes
Guides about vans
Everything you need to know about vans and the insurance policies which keep them protected:
- What are the best van locks in 2025?
- How to insulate a van: a step-by-step guide
- A comprehensive guide to the different types of vans
- Van speed limits in the UK explained
- Van insurance for young drivers: Your essential guide for 2026
- Is there vat on van insurance? Your questions answered
- Van insurance for convicted drivers: everything you need to know
- Is my van insured?
- How to save money on your van insurance: 20 practical tips
- Van insurance groups explained
- The 10 best small vans in 2026
- The 10 best electric vans in 2026
- The 10 cheapest vans to insure in 2026
- Can I drive a van on my car insurance?
- Your guide to multi van insurance
- 1 day van insurance: a complete guide
Guides about classic vehicles
Learn more about the ins-and-outs of classic cars and policies:
Tools and checkers
Check out our latest tools below:
Kit and Replica Car Insurance
Tailored cover for your individual kit car or replica
Whether it’s a replica of famous Hollywood car, or a car you’ve assembled yourself at home, we have a kit and replica car insurance policy that can protect your unique asset.
Military Vehicle Insurance
Military vehicles need protection too
We understand what it is military vehicle insurance needs to be in order to meet the expectations of owners of these types of vehicles.
Classic Car Insurance
Protect your classic car with the insurance it deserves.
Don’t settle for less. Let us help you find a classic & vintage car insurance policy that meets all your coverage expectations.
Car Collection Insurance
Keep your collection of cars insured under one roof
Whether your collection is made up of vintage cars, classic cars, high performance cars or a combination of vehicles, we can help you find a car collection insurance policy that’s right for you.
Classic Motorbike Insurance
Comprehensive policies catered to the owners of classic motorbikes.
Whether you ride a Harley, Royal Enfield or a Vincent, you’ll understand the pride and joy that comes with owning a classic motorbike, and how important it is to protect your vehicle.
Classic Multi-car Insurance
Specialist cover for owners of more than one classic car.
If you have multiple vehicles, putting them on the same policy opens opportunities for owners to receive a discount for the additional vehicles.
Other Specialist Insurance
We specialise in steam, classic commercial vehicles and tractors
Our specialist team of advisors can help find you great value cover for a whole range of classic specialist products.
Vehicle Clubs
Do you run or are you involved in a Classic or Specialist Vehicle Club?
Why not call our business development team on 0333 207 6597 to see if we can help your club.