Protection tiers
Three starting points. Every build still gets reviewed.
These tiers help customers understand where their vehicle may fit. Final eligibility, pricing, deductible, and covered parts depend on the actual vehicle, parts list, documentation, mileage, claim history, and risk review.
Mild builds
Street Tier
For daily-driven enthusiast vehicles with basic upgrades and clean documentation.
Common examples
- Wheels and tires
- Mild suspension
- Intake and exhaust
- Audio or lighting
- Appearance upgrades
Deeper street builds
Street+ Tier
For vehicles with meaningful performance, appearance, audio, or drivability upgrades that still maintain street use.
Common examples
- Coilovers
- Brake upgrades
- ECU tune
- Larger audio systems
- Moderate performance packages
Higher-value builds
Apex Build Tier
For higher-value, higher-complexity, or heavily modified vehicles reviewed case by case.
Common examples
- Forced induction
- Engine or transmission upgrades
- Widebody work
- High-end interior
- Complex multi-system builds
What can be reviewed
Coverage starts with the parts and records.
Apex reviews documented parts and upgrades as part of the build profile. Approval depends on documentation, installation quality, vehicle use, risk, and final terms.
Performance parts
Suspension and braking
Exterior and wheels
Interior and electronics
Audio and security
Supporting documentation
Example build profiles
The tier is a starting point, not a shortcut.
Daily-driven WRX with coilovers, wheels, intake, exhaust, and upgraded brakes
Weekend Mustang GT with supercharger kit, supporting fuel upgrades, and tune
Show-focused Corvette with widebody kit, forged wheels, aero, audio, and lighting