Hagerty's frequently asked questions will help you learn more about our classic car insurance policy, Hagerty Drivers Club™ and how we handle classic car claims.
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.
Yes. Generally, it's $100, although that number may differ in some states.
Hagerty Drivers Club™ strives to provide you service within 60 minutes of dispatching. This 60 minute estimated time of arrival can vary based on weather, traffic, extra distance, or peak-period demand. Our dispatch agents will always notify you of the expected wait for service at the time of dispatch.
Yes. We understand the importance of having your vehicle properly repaired, and the peace of mind that comes from knowing it is in good hands. So you always have the choice of where to repair your vehicle.
No. Unlike most regular marine policies and companies, Hagerty does not specify certain lay-up periods when your vessel must be out of the water. Nor do we limit the regions where you can operate your vessel. Many companies require you to pay for additional endorsements should you travel outside of the areas listed in your policy. Not Hagerty. Our policy allows for unlimited navigation and transportation in the U.S. and Canadian inland and coastal territorial waters (understood to be up to 12 miles offshore).
Our rates anticipate limited usage and factor in your geographic area. We understand that most classic boats will not be used on a daily, or even monthly, basis. The annual premium rate takes into consideration that the vessel will not be used frequently; however, as noted above, there are no restrictions on personal pleasure usage.
This is only a general description of coverage. All coverage is subject to policy provisions, exclusions and endorsements.
*See your Hagerty Drivers Club™ program guide for a complete description of benefits.