Better coverage built for classics at a price you can afford.

    Quote Now

    Frequently Asked Questions - All

    Hagerty's frequently asked questions will help you learn more about our classic car insurance policy, the Hagerty Plus roadside assistance program 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.

      Still need help?

      877-922-9701
      Email Support
    • Typically most wooden boats, as well as high-quality non-wooden boats of traditional design. Please see what qualifies for more details.

      Still need help?

      877-922-9701
      Email Support
    • 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.

      Still need help?

      877-922-9701
      Email Support
    • Hagerty Plus® provides assistance for changing the wheel and tire with your inflated spare. If you don’t have a spare, our certified dispatch agents will advise you of nearby companies who sell spare tires and will dispatch a tow to get you and your vehicle to the service station. Please Note: Hagerty Plus will not cover the cost of a new spare tire or the labor associated with tire balancing, rotation, or alignment*

      Still need help?

      877-922-9701
      Email Support
    • 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.

      Still need help?

      877-922-9701
      Email Support
    • Yes. Generally, it's $100, although that number may differ in some states.

      Still need help?

      877-922-9701
      Email Support
    • Hagerty Plus® 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.

      Still need help?

      877-922-9701
      Email Support
    • 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.

      Still need help?

      800-922-4050
      Email Support
    • 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).

      Still need help?

      877-922-9701
      Email Support
    • 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.

      Still need help?

      877-922-9701
      Email Support

    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.