[Lynxis]

Looked at the survey and it's Survey Monkey and doesn't collect anything identifying about you so nothing to worry about there. I filled it out.

The major reason getting modified street cars insured in Ontario is such a problem is due to the no-fault insurance laws here. Getting classic cars or hotrods insured is easier for the insurers because they are never daily drivers so the chances of them being involved in a collision is extremely slim in the first place. Also, this type of insurance always has a laundry list of stipulations associated with it, IE: must be stored in a closed and locked garage when not in use, and can only put on very limited numbers of miles and ive even seen some stipulations that the vehicle is only allowed to be driven to and from car shows.

Anyways, the issues are mostly with getting daily drivers insured in a no-fault insurance environment because your insurer is the only one you deal with so they take on 100% of the risk. In places without no-fault, the only insurance company involved is the at fault party so if you get into a collision that is someone elses fault, then you chase the at fault parties insurance to get paid so your own insurer doesn't assume any of the risk in this scenario so they care a lot less about what your car is like. With no-fault insurance, you only deal with your own insurer which means they may be on the hook for paying for your modifications. While this isn't such a problem for a guy with a few thousand dollars put into his car, it's a different story when you are dealing with the guy who put 20k into his car. Obviously, they don't want to be on the hook for anything more than they have to be and because they are in control of the situation, they will just refuse to take on the associated risk. Also, there is no guarantee that the parts you put on your car are quality or that they were installed correctly. If you put on an inferior product or whatever and if it fails and causes a collision, well your insurance providers don't want to be on the hook for that either.

I think this could be resolved by doing regular inspections to ensure modified vehicles are safe for the road and set a claimed value but none of the insurance companies want to be bothered just to cater to a minority of drivers on the road who want to modify their vehicles.

Edit: Thinking about this a bit more, "collision" coverage is optional so the first point about the insurance company paying out for the cost of your modifications is basically irrelevant.. they could easily say "ok, modified vehicle means no collision coverage" but the second point still stands and I think is a larger part of the reason they don't want to cover modified street vehicles.