Vault Reciprocal Exchange has filed to introduce its high-net-worth personal auto program in Oregon.

The Auto Complete program covers standard private passenger vehicles alongside antique and classic cars, exotic and high-performance vehicles, motorcycles, snowmobiles, golf carts, luxury motor homes, and other specialty vehicles. Available features include agreed-value coverage, custom-equipment protection, emergency movement coverage, roadside assistance, and optional windshield and flood deductibles.

The program is based on Vault’s approved Utah offering, with Oregon-specific changes. Vault will use a LexisNexis-based credit model for tiering and territory factors drawn from Nationwide subsidiary AMCO Insurance Company. It developed base rates by comparing sample premiums across competing high-net-worth auto programs.

Underwriting will consider a customer’s broader relationship with Vault and may provide greater flexibility to households insuring all lines with the company or more than five vehicles. Vehicles with severe wildfire exposure may be ineligible for physical damage coverage unless sufficient brush clearance is maintained or the property meets Vault’s homeowners wildfire requirements.

The program is proposed to take effect October 10, 2026.

As a side note, Vault’s website states that its auto, collections, excess liability, and yacht insurance products are currently available only when bundled with a home policy carrying an insured value of at least $2 million.