Frequently Asked Questions - All

Hagerty's frequently asked questions will help you learn more about our classic car insurance policy, the Hagerty Plus roadside assistance program and how we handle classic car claims.

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  • What are your usage restrictions/guidelines?

    Simply put, we want you to enjoy your classic vehicle. While there are some restrictions in the policy, you’re covered for pleasure use, whether it's a drive on a gorgeous summer day, a trip to the ice cream shop, attending club events or going to shows. If you have specific questions about usage, especially if you own a newer vehicle (generally 1990 and newer), we're happy to discuss them with you.

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  • What does Hagerty's "Guaranteed Value"™ coverage mean to me?

    Guaranteed Value insurance policies guarantee that, in the event of a covered total loss, you will receive the vehicle’s full insured value, which we will have already agreed on. Please see the policy features main page for more details.

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  • Do you need to see photos of each vehicle during the application process?

    Yes and it varies depending on the type of vehicle. We need one good photo for stock (original) vehicles, showing a full side view of the car. We need four photos for custom or modified vehicles (full vehicle, engine, interior, and trunk or bed,if it's a truck). Two photos are required for classic pickups (full vehicle and truck bed).

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  • Does Hagerty write coverage for comprehensive only?

    Yes. "Comprehensive only" (other-than-collision) coverage is available when a car is undergoing restoration, part of a display (such as in a museum) or placed in long-term storage. Hagerty also offers coverage called Limited Trailer Paddock that provides collision coverage while your vehicle is trailered. Please call us for more details on coverage.

    Other-than-collision

    Car is stationary and the tree branch crushes the roof.
    That’s Other-than-collision.

    Collision

    Car is in motion and rolls into a tree. That’s Collision.
    Even if no one was driving.

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  • Who can drive my car? Can my children drive it?

    It’s up to your discretion who you allow to drive your car. Just keep in mind, the same restrictions that apply to you apply to everybody who drives it. While Hagerty supports youth involvement in the hobby, our program guidelines requires that every driver has five years of driving experience. Please call a licensed sales agent to discuss your specific situation.

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  • Can I race my car?

    Our program is not designed to provide coverage for vehicles while they’re being raced. However, we do offer off-track coverage for motorsports vehicles. For more details, see Motorsports.

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  • Does Hagerty offer deductibles?

    Yes. While we offer a zero deductible for most vehicles, other deductible options are available and vary by state and vehicle type. Any applicable deductibles will be available during the web quoting process.

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  • When is an appraisal required?

    We typically do not require appraisals. If we need further documentation supporting a vehicle's value, we will contact you during the underwriting process.

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  • How many years of driving experience are required?

    Our program guidelines require that our clients have at least five years of driving experience.

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  • Do you accept vehicles under restoration?

    Yes. We offer coverage on vehicles being actively restored. See vehicles under restoration for more information. We also offer extra coverage and services for vehicles being restored or built. For more details, see Vehicle Under Construction.

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This is only a general description of coverage. All coverage is subject to policy provisions, exclusions and endorsements.

*See your Hagerty Plus program guide for a complete description of benefits.