Insurance policy features

Benefits of insuring
with Hagerty

Our nimble underwriting and niche product offerings allow us to offer you with the best custom coverage for your vehicle.

What is included in a Hagerty insurance policy?

Guaranteed Value®

We use our industry-leading tools to help you determine the true value of your classic, then create an agreed value policy that covers it.*

Low annual premiums

We can save you money. We only insure antique and collectible cars, so we can offer better coverage at a significantly lower price than daily driver insurers.

Customized policies

Whether you own one car or a hundred, your Hagerty collector car policy is designed specifically for you. Do you travel with your car? Are you restoring your car? Do you collect automobilia or own valuable parts and tools? We've got you covered.

Flexible usage**

Classic and collector cars were made to be driven. Whether you’re going to a show or just taking a cruise to the ice cream shop, you’re protected. If you have specific questions about your car or usage, please don’t hesitate to contact us.

Specialty roadside service

Optional membership in Hagerty Drivers Club® includes guaranteed flatbed towing, automotive discounts, and much more. Read more about Hagerty Drivers Club.***

Additional policy benefits

Instant new purchase coverage

30 days of coverage for up to $50,000 of the vehicle value for new collectible cars.

Spare parts coverage

$750 of comprehensive coverage for your insured vehicle’s spare parts.

Auto show medical reimbursement

Up to $10,000 in medical payments if you or your family members are injured during an auto show or other car-related function.

Motorcycle safety equipment coverage

Up to $1,000 of coverage for safety apparel including leather pants, gloves, jacket, and helmet.

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We pride ourselves on protecting vehicles as if they were our own.
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* Storage and driver eligibility are subject to underwriter review and to all applicable state and underwriting restrictions.

** Flexible usage for occasional pleasure use does not mean use for daily driving to and from work or school, routine shopping, etc.

*** Membership by Hagerty Drivers Club (HDC), a licensed motor club and non-insurance subsidiary of The Hagerty Group, LLC. Roadside services provided by/thru Cross Country Motor Club. Only the HDC Program Guide contains a complete description of benefits.

Policies underwritten by Essentia Insurance Company. Hagerty determines final risk acceptance. Some coverage not available in all states. This is a general description of coverage. All coverage is subject to policy provisions, exclusions and endorsements.