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Modern ClassicPrivate vaultCoverage gap
1998 BMW M3
Coupe E36 Evolution
Matching-numbers Evolution, one of 134 South African delivered.
VIN
WBSBG93020EY12345
Registered
CA 314 159
Mileage
78,420 km
Transmission
6-speed manual
Custody
Constantia Vault
Acquired
2019
Insurance alignment
Coverage and value, in lockstep
Linked policy, underwriter access and broker quote requests — all controlled.
Insured value
ZAR 950,000
Market value
ZAR 1,120,000
Variance
−ZAR 170K
Underwriter audit timeline
Every recorded state change against this chassis, signed and time-stamped.
No underwriter decisions on file yet. Issue a sealed valuation link to begin the audit trail.
Coverage no longer matches current value
A ZAR 170K gap puts this chassis at risk in the event of total loss.
Policy
Broker
Hagerty South Africa
Policy
HG-2025-00891
Renewal
01 September 2026
Agreed value
Yes
Storage
Constantia Vault
Use
Limited · events & weekend
From the same garage
