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Post Info TOPIC: Licensing & Insuring A Scratch Built Car


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Licensing & Insuring A Scratch Built Car
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Hi,

This is a long, heavy post but please bear with me.


I'm hoping someone here can help me understand and navigate the rules for licensing and insuring a full-on custom that's not based on a production car.

I know that you can build and, if the certifying mechanic deems it built safely and correctly, have a certified homebuilt car.

 


This gets a little murky with online searches but this link from approximately 2017 :

http://www.svao.org/kitcars.html

details a possible major issue with homebuilt vehicles being registered as the model year in which the vehicle was completed.

 

Therefore, if I build a car and finish it this year, it will be registered as a "2024 Homebuilt".

 

This next part is quoted from Canadian Rodder (   https://www.canadianrodder.com/features/fyi/registering.htm  ),

 

"Homemade Vehicle

Constructed without using manufactured main components (e.g. body and chassis / frame both made from scratch), and therefore has no V.I.N.
NOTE: This designation is primarily for homemade trailers, constructed by the owner.

Homemade vehicles are registered in Ontario as:

V.I.N.: assigned "HOM"
MAKE: HOME
MODEL: HOM
MODEL YEAR: Year the homemade vehicle was built and registered with the
ministry.

Kit cars are not homemade vehicles, for registration purposes"

 

One of the issues here is that if a vehicle is registered as a 2024 Homebuilt, it has to have an Electronic Stability Control system (see that link I posted above that states vehicles built after September 2011 must have ESC).  So that's a significant hurdle.

Secondly, the major problem I see with pretty much any Homebuilt vehicle regardless of the year it was built is getting insurance.  I know for a fact that no "regular, run-of-the-mill" insurance carrier will insure a Homebuilt vehicle.  For that matter, from what they've told me, regular insurance companies won't insure any vehicle that's been modified.

*****  Hagerty specifically told me they will not insure these types of custom homebuilt cars.  *****

Hagerty told me to call a broker to ask about Facitlity Insurance. 

The broker told me you have to basically apply to Facility insurance to see if they will insure the vehicle.  At that point, IF they insure the vehicle, you're good to go but Facility insurance is two to four times more expensive than regular car insurance.

So, to summarize: 

1.  We scratch built a car.

2.  If we can somehow dance around the ESC issue, got a safety from a mechanic.

3.  Registered it with the Ministry and now have only one possibility of insuring it (Facility).

If Facility insurace falls through, then what? 

 

Or, 

If we buy an old car (let's just say a '51 Ford F1 to pick an easy one), go to the Ministry, register the truck in our name and then build a complete, scratch-built custom using some Ford parts here and there (but our Homebuilt looks more like a mix of a 1950 Allard J2 and Starbird's Predicta than it does like a '51 Ford F1), can it still be licensed it as 1951 Ford F1?  


Will a specialty insurance company insure a full custom like this (basically because the ownership says, "1951 Ford" even though it doesn't look anything like the 'donor vehicle') ?

 

Are there any other options?   Any workarounds or tips anyone can give me?

 

Thanks for your time!

 

 



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CAMPBELLFORD, ONT

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I really have nothing to add to the legalities of a homebuilt cvar, always started with some sort of real
deal automobile myself, for that alone I commend you , secondly, I really need to see this car since
you've described the Starbird Predicta as one of its inspirations, you had me from that moment on...
I always liked the Predicta then one year while at the Leadsled Spectacular as the Canadian Colonel
Daryl had brought the car to the show,as I was admiring it,he said,have you ever been in a bubbletop
show car,get in? Been thinking about a future showrod ever since that day..

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Buying selling and trading garage toys and big kid stuff.

 



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About 20 years ago I was driving my Triumph down Route 66 to California.  I'm tooling westward somewhere in Oklahoma (there's nothing but farmland in Oklahoma) and on the other side of the road I see the back of a billboard.

I pass the billboard, stick my head out the window and turn to read it - it's a billboard for Starbird's Custom Car Museum!

I had no idea it was there!

I U-turn and start following the signs.  Eventually, I see the museum and outside, uncovered, with flat tires is Bill Cushenberry's long-lost Mystery Car!  (At least that's what it was called back then.)   It was more widely known as the "Silhouette II".  The car had been lost for nearly 40 years and here I was in the middle of Oklahoma with my hands on it! 

They told me it had just recently been found.

 

The inside of the museum was filled with lots of customs and most, if not all, of Starbird's creations.  That was a neat day and my only brush with Starbird - all because I stuck my head out the window and read the billboard that was on the other side of the road.



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MARKHAM, ONT

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How about pics of your car?

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PUGSY


COBBLE HILL, BC

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Registering it as a 2024 auto, it will have to meet 2024 safety standards.
Air bags for one.....

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ETOBICOKE, ONT

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Contact Nick from INVision Prototypes, he has built a couple of cars from scratch that I know of and are on the road.
Located in the Niagara Area

www.youtube.com/c/iNVisionPrototypes

www.invisionprototypes.com/

www.facebook.com/iNVisionPrototypes/



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350SBC .030 Over - 0 to 60 when ever it gets there.



MARKHAM, ONT

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There is a homemade category in Ontario.
It will be designated HOM in the serial number.

Simply go to the MTO office and ask.


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FOXBORO, ONT

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jarvis1 wrote:

Registering it as a 2024 auto, it will have to meet 2024 safety standards.
Air bags for one.....


 Like Chris i have been involved with builds with ownerships, not from scratch, but i have helped with a couple of bike builds from scratch and it is a long road to hoe. At the end of the build it was the insurance that pretty much killed it.  



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Thanks everyone for you replies. I'll contact Nick at iNVision and see if he'll be kind enough to point me in the right direction.

If / when I find out anything worthwhile I'll post back here so the next guy who wants to do what I'm doing will hopefully have a leg up.

Thanks guys!

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