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 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).
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.
Car is in motion and rolls into a tree. That’s Collision.
Even if no one was driving.
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.
We typically do not require appraisals. If we need further documentation supporting a vehicle's value, we will contact you during the underwriting process.
This is only a general description of coverage. All coverage is subject to policy provisions, exclusions and endorsements.
*See your Hagerty Drivers Club LLC program guide for a complete description of benefits.