Frequently Asked Questions

The frequently asked questions linked to below are what we hear most often from our clients, but we realize individual circumstances create questions of all kinds. We’re happy to answer any question you might have — or just chat about your classic car — anytime. If there’s a car-related topic you’d like to discuss in detail, don’t hesitate to call us in person at 800-922-4050.

Policy features
General guidelines
Claims
Roadside assistance
How Do I…
Hagerty Plus member benefits

Policy features

Can this premium be right?

Yes. On average, a Hagerty policy is 37% less expensive than a regular use policy*. For instance, the annual premium on a stock 1967 Camaro valued at $30,000 costs just $273**.

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.

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.

General guidelines

What kind of vehicles qualify for coverage?

We offer insurance for a wide variety of collector vehicles. Please see our Does My Vehicle Qualify? section for details.

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.

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.

Claims

How do I file a claim?

You have three options:

1. Call the Hagerty Claims Department at 800-922-4050 ext. 5
2. File a Claim online
3. If you have an agent, you can contact them to have them file the claim for you.

Note: There are conditions in the policy requiring timely filing of claims. Please don’t delay.

Can I track my claim online?

No. While you can file your claim online, at this time, you cannot track your claim status online.

Will filing a claim affect my rates?

Currently, Hagerty does not surcharge for claims. However, some states have required discounts that could be affected.

Roadside assistance

Are your roadside assistance plans only for my collector cars?

It depends. Hagerty Plus 10-mile and 50-mile plans cover only your collector vehicles. The 125-mile plan covers all of your household vehicles. Trailer coverage is included in the 50-mile and 125-mile plans. Plus, anyone who drives the car may call for assistance — we do not restrict our plans to a specific driver.

Can I use my roadside assistance coverage to get reimbursed for services that are hired directly by me?

No. The program only covers roadside assistance dispatched by Hagerty Plus. You must call 888-310-8020 to have service dispatched. Any services retained directly by you are not covered.

What if my vehicle breaks down and a police officer obtains a tow for me?

Some access-controlled roadways, such as the Garden State Parkway in New Jersey, are state- or municipality-controlled. Only specific contracted providers are allowed to provide service on these roadways. In some cases, those providers refuse to work with networks like Hagerty Plus, and you may be instructed to call the police or local administrator for service. You would then need to submit an invoice for reimbursement up to your benefit allowance.

How do I...

Contact Hagerty?

Please see contact us.

Add or remove a car?

You must first login to the secure portion of our site. The login link is located above in the right-hand corner of the page. Once you are logged in:

1. Choose manage my policy from the left-hand menu.
2. In the Summary portion of the screen, look for a link called "add vehicle."
3. Click that link and you will be directed through the rest of the process.

See what I owe and pay my bill?

You must first login to the secure portion of our site. The login link is located above in the right-hand corner of the page. Once you are logged in:

1. Choose manage my policy from the left-hand menu.
2. To see your payment history, click on View Payment History from the left-hand menu.
3. To pay an outstanding bill, click on View and Pay Bill in the left-hand menu.

Hagerty Plus member benefits

What type of question does the Concierge answer?

The Concierge will answer any collector-car-related question you have or get you pointed in the right direction. This includes questions on authentic paperwork for collector vehicles, what venue you should use when buying a car, the value of your ride and more.

What kind of legislative issues is Hagerty involved in?

Through our affiliation with the Historic Vehicle Association, we take interest in and address hobby-related protection issues like scrappage programs, inoperable vehicle laws, emissions testing, vehicle equipment standards or any hobby-focused legislation.

How will Hagerty Plus let me know if something is happening in my state?

Through our affiliation with the Historic Vehicle Association and the help of our own members, we’ll list state and federal hobby legislation issues on the website. If there is an issue that requires immediate action, we will post an action alert and send an email to members in the state(s) affected. In order to receive important alerts from Hagerty plus, be sure to provide your e-mail address to us.