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.
Muscle Cars
Replicas (High Quality)
Street Rods
Tractors
Trailers
Trucks
Vehicles Under Active Restoration
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, 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 occured 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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No motorcycles with performance modifications
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Any vehicle modified with a nitrous system. Vehicles that run on 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.