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We provide full insurance coverage for collector vehicles that are owned for
limited pleasure driving, car shows, and club events. We do not offer coverage
on regular-use vehicles driven on a daily basis. We cover:
Muscle Cars
Replicas (High Quality)
Street Rods
Tractors
Trailers
Trucks
Vehicles Under Active Restoration
Automobilia
Automotive Tools
Spare Parts
At Hagerty, we offer insurance to people who are passionate about cars. In
order to offer the best coverage at competitive rates, we must consider usage
and storage of the collector vehicles as well as driving records and
regular-use vehicles for all household drivers.
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Usage:
Vehicles insured in our program must be used on a limited basis consistent
with the operation of something valuable, such as club functions, exhibitions,
organized meets, tours and limited pleasure driving.
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Storage:
Collector vehicles must be stored in a fully enclosed and locked garage when
not in use.
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Driver Eligibility:
Generally, one or two minor violations or accidents are acceptable for our
program. We will not accept major violations such as any alcohol/drug
violation or reckless driving if they occurred within the last 3-6 years.
Applicants must have 5 or more years driving experience in the following
states: LA, MA, NM, NC, VA and WA. All household driving records are
subject to review by an underwriter.
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Regular-Use Vehicles: All licensed household drivers must
have a regular-use vehicle to use for daily driving. Applicants
must also maintain regular-use insurance in his or her own name.
Motorcycles and public transportation are not considered regular use vehicles
for our program.
We do not offer an insurance product for the following types of
vehicles:
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Inexpensive home-built kits that do not replicate a classic vehicle
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Replicas of the 1963-67 Shelby Cobra Roadster
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Any vehicles used for camping, off-road or utility-type driving
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Pro-street vehicles modified exclusively with racing features such as roll
cages, wheelie caster, nitrous systems, parachutes, etc. (Consideration
may be given to show-use only vehicles)
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Regular-use vehicles driven on a daily basis
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Vehicles used primarily for commercial use
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Motorcycles with performance modifications
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Any vehicle modified with nitrous, nitro-methane or blown alcohol systems are ineligible
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Dune Buggies
All coverages are not available in all states. This is only a general description of coverage.
All coverage is subject to policy provisions, exclusions and endorsements.
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