Frequently Asked Questions - Policy Features

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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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  • 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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  • 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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  • Does Hagerty's policy offer spare parts coverage?

    Yes. We offer coverage for any collector vehicle spare parts, whether or not they're intended for the vehicle insured on your Hagerty policy. Please see spare parts for details.

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  • What about my tools? Can you cover those?

    Yes. Any personal tools used to maintain or restore collector vehicles can qualify, including tool boxes, storage cabinets and accessories. Please see automotive tools for details.

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  • Do you sell liability-only policies?

    No. Protection for your collector vehicle should always include collision and "comprehensive"(other-than-collision) coverage. We offer affordable premiums to help you cover your vehicle.

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  • Do you offer Trip Interruption coverage?

    Yes. Having an accident while traveling can be a very frustrating experience, putting you in the position of having to pay for additional expenses that wouldn't be covered under your basic Hagerty policy. Hagerty offers Traveling Collector coverage, which allows you to recover up to $1,500 for the use of a rental vehicle, repayment of lost event expenses (tickets, fees, etc.) and lodging required during repairs. It also includes added coverage for spare parts, tools and personal effects and accidental death coverage.

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  • Does Hagerty have a minimum premium?

    Yes. Generally, it's $100, although that number may differ in some states.

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  • Can you cover my vehicle if it's being shipped overseas?

    Yes, please see overseas shipping for details.

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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.