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    Frequently Asked Questions - Most Popular

    • 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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    • 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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    • 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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    • 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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    • It’s up to your discretion who you allow to drive your car. Just keep in mind, the same acceptable usage that applies to you applies to everyone who drives it. While Hagerty supports youth involvement in the hobby, our program guidelines requires that every driver must be fully licensed, with no state imposed restrictions (such as a suspension). Please call a licensed sales agent to discuss your specific situation.

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    • Our program is not designed to provide coverage for vehicles while they’re being raced. We do offer off-track coverage for motorsports vehicles, however, along with HPDE/Track Day coverage."

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    • 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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    • 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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    • Our program guidelines require that every driver must be fully licensed, with no state imposed restrictions (such as a suspension).  Operators of motorcycles and high-performance vehicles must be licensed a minimum of 10 years.

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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.