Policy Features - Hagerty Insurance

Each of our policy features is based on our own personal experiences as collectors and on feedback we've gotten from you — our fellow collectors — at hundreds of car show and events all across the country.

Low Premiums.: Our rates are drastically lower than standard. For example: The standard rate on a '65 Mustang could hit $800/year. Hagerty's average premium on the same car? Just $110.
Agreed Value Coverage.: In case of a total loss, you will receive the full amount for which you have insured your vehicle.
No Deductible.: Our base program has no deductible requirement. However, you have the freedom to select optional deductibles to lower your premium.
Single Liability Charge.: No matter how many vehicles you have on your policy, you only pay a single liability charge.
Flexible Usage.: Drivers can enjoy their classics with comfortable limits. Our policy allows for an occasional leisure drive, not just to parades or car events.
In-House Claims Department.: We want your claim handled by a collector insurance expert, so most claims are managed at Hagerty. We're here for you, even seven days a week during the busiest hobby months, April-October.
Repair Shop of Choice.: Your choice, not ours. Take your collector cars to your favorite repair shop.
Restoration Coverage.: You can protect your classic and its increasing value during an active restoration project.
Instant New Purchase Coverage.: Unplanned purchases up to $50,000 receive immediate coverage on an existing Hagerty policy.
Business-Use Endorsement.: Collectors may use their cars for specific business or commercial uses for specified time frames.
Auto Show Medical Reimbursement.: Clients or family members injured during an auto show or similar car-related function will receive pre-determined medical coverage.
Overseas Shipping/Foreign Touring Coverage.: Hagerty can provide special coverage of your vehicle(s) during overseas transit including cargo shipping, foreign liability and property damage. We also can coordinate coverage during your stay.
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Club Liability Program.: Protect your club and its members from potential lawsuits while enjoying the same great service and low rates enjoyed by all Hagerty clients.
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Motorcycle Safety Equipment Coverage.: This feature includes coverage of safety apparel, including leather pants, gloves, jacket and a helmet.
Hagerty Plus.: You'll have the opportunity to join the nation's largest community of collector car enthusiasts.
Additional Coverage.: We know that your love of collecting — and your investment in your hobby — doesn't end with your car. That's why we offer additional coverage for automobilia, automotive tools and spare parts.
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