Open Road
Carrier website links, underwriting access points, mapped product lines, and appetite notes in one place.
This appetite summary is only a guide. Confirm eligibility, submission requirements, restrictions, and binding authority directly with the carrier or underwriter before relying on it.
Carrier appetite summary
OpenRoad’s published agent eligibility guidance is for specialty/collector auto only. Preferred business is enthusiast-owned vehicles kept for enjoyment rather than daily transportation, including classic and collector cars, muscle cars, modern sport/performance cars, classic trucks/4x4s, modified vehicles, and antique vehicles. Core use appetite includes car club functions, exhibitions and shows, organized meets, tours, rallies, and pleasure driving. Mileage around 3,500 annual miles is most consistent with collector use; up to 7,500 miles may be considered depending on vehicle type, age, condition, storage, and household vehicle profile, with special expectations noted for collector trucks, specialty vehicles, and 1990+ model year vehicles. Daily-driver use is not acceptable; limited or seasonal commuting may be considered only by underwriting exception and only where state availability allows. Storage expectation is a fully enclosed, secure structure such as a private garage, pole barn, car condominium, or enclosed storage unit; some carports, parking garages, enclosed trailers/structures, and even driveway storage may be considered only in limited situations and subject to underwriting review/state rules. Unacceptable storage includes temporary or soft-sided structures, street parking, parking lots, and public or unrestricted parking garages. Driver/household requirements are important: all household drivers are reviewed, serious infractions such as excessive speed, reckless driving, and alcohol-related offenses are generally ineligible, while one or two minor violations or at-fault accidents may be acceptable. All licensed household drivers must have separate reliable daily-use transportation; generally one daily-use vehicle per licensed driver is expected, though fewer vehicles than drivers may be considered by underwriting. Daily-use vehicles should be insured in the applicant’s name, and motorcycles, public transportation, or shared/informal vehicle access are generally not acceptable substitutes. Restricted/declined exposures include vehicles used as daily drivers, off-road or recreational vehicles, vehicles used for commercial/business purposes, racing or competitive driving vehicles, and motorcycles. Claims/loss disclosure is required; prior claims, losses, and thefts can affect eligibility, pricing, coverage terms, or trigger underwriting review, and misrepresentation may result in declination, cancellation, or rescission as allowed by law. Liability guidance notes OpenRoad recommends liability limits consistent with or lower than the insured’s Personal Auto Policy; if there is no PAP, a Business Auto Policy may be considered if it includes personal liability endorsements such as Drive Other Car or Individual Named Insured, and state-specific max liability limits may apply on BAP-only placements. Practical producer notes: OpenRoad’s agent resources page confirms dedicated agent onboarding materials, quote and registration tutorials, ACH authorization, and downloadable underwriting guidelines/resources. Product pages also reinforce a niche appetite for securely stored, non-daily-use collector and specialty autos, with agreed value positioning and special messaging for modified vehicles to document builds with photos/receipts and for modern performance cars to expect same-day/start-fast quoting. Coverage availability varies by state and final acceptance remains subject to total risk characteristics, regulatory requirements, and reinsurance guidelines.