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 currently published guidance is for U.S. specialty/collector personal auto risks centered on enthusiast-owned vehicles, not standard auto. Preferred business includes classic and collector cars, muscle cars, modern sports/performance cars, modified vehicles such as hot rods, street rods, resto mods, custom cruisers and replicas, plus certain antique and unusual collector vehicles including historic fire trucks, military vehicles, and retired tractors. Core use requirement is hobby/collector use only: acceptable use includes car club functions, shows, exhibitions, organized meets, tours, rallies, and pleasure driving. Vehicles cannot be primary or regular daily transportation. Annual mileage of 3,500 or less is the normal collector profile; up to 7,500 may be considered depending on vehicle type, age, condition, storage, and household vehicle profile, with added scrutiny for collector trucks, specialty vehicles, and model year 1990+ units. Storage is a major underwriting factor: preferred storage is a fully enclosed secure structure such as a private garage, pole barn, car condo, or enclosed storage unit. Carports and parking garages may be considered in most states only if they have 24-hour security, limited access, are not open to the public, and assigned spaces are preferred. Enclosed trailers/structures can qualify if fully enclosed and kept in a safe secure area. Driveway storage is only considered in select states and may be limited by vehicle value, vehicle type, and coastal proximity; motorcycles and modified vehicles may be excluded from driveway exceptions. Unacceptable storage includes soft-sided or temporary structures, street parking, parking lots, and public or unrestricted garages. Driver quality must fit collector standards: serious infractions such as excessive speed, reckless driving, and alcohol-related offenses are generally not acceptable. One or two minor violations or at-fault accidents may be acceptable, but loss patterns, severity concerns, and recent serious activity can affect eligibility. All household drivers are reviewed, and all licensed household drivers generally must have separate reliable daily-use transportation. OpenRoad generally expects one daily-use vehicle per licensed driver, though exceptions may be reviewed; daily-use vehicles should be insured in the applicant’s name. Motorcycles, public transportation, and shared/informal vehicle access are not generally acceptable substitutes for daily-use vehicles. Restricted or declined classes/uses include daily drivers, off-road or recreational vehicles, commercial/business use vehicles, racing/competitive driving vehicles, and motorcycles. Prior claims, losses, and theft history must be disclosed and can affect eligibility, pricing, coverage terms, or trigger underwriting review; misrepresentation or omission may result in declination, cancellation, or rescission where permitted. Liability guidance notes OpenRoad recommends liability limits consistent with or lower than the insured’s personal auto policy; if only a business auto policy supports daily-use autos, underwriting may consider it if appropriate personal liability endorsements such as Drive Other Car or Individual Named Insured are present, and state-specific maximum liability limits may apply. Geographic notes are state-sensitive throughout: commuting exceptions, carport/garage/storage acceptability, driveway storage, and final eligibility all vary by state. Broker/producer notes: the official agent resources page provides sales materials, quote and registration tutorials, an agent login, ACH authorization, and a separate underwriting guidelines PDF/resource set, indicating submissions should be positioned with complete usage, storage, household vehicle, driver, and loss-history details to avoid underwriting delays.