Spare Parts & Tools Coverage
The NOS parts stash, the correct-date-code components waiting for a restoration, and the tools you use on the car — covered on their own terms, not folded into a generic contents limit.
Anyone restoring or maintaining a classic car ends up with more than the car itself — a shelf of NOS parts, a set of correct-date-code components waiting for their turn, tools bought specifically for this build. A standard homeowner’s or renter’s policy treats that as generic personal property, if it covers it at all.
This coverage treats those parts and tools as what they are: an investment in the car, with a replacement cost that reflects how hard they’d be to find again.
Spare and NOS parts
New-old-stock and hard-to-source components kept for a future repair or restoration, valued at what they'd actually cost to replace.
Specialty tools
Tools kept specifically for maintaining or restoring the vehicle — not a general homeowner's toolbox, but the specific kit built around this car.
Parts in transit
Coverage that can extend to parts being shipped to or from a restoration shop, not just parts sitting on a shelf in your garage.
- How are spare parts valued?
- Generally at replacement cost for the specific part — which for a correct-date-code or NOS component can be well above what a generic auto parts equivalent would run.
- Do I need a full inventory before I can get this coverage?
- A general description and rough value is usually enough to start. For a large or particularly valuable stash, a more detailed inventory helps at claim time.
Get spare parts & tools coverageon the record.
Tell us about the car and we'll come back with a value worth agreeing to and a carrier worth placing it with.