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    Frequently Asked Questions - All

    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.

    • 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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    • Hagerty works with agents across the country. We value our agency relationships and make it easy to do business with us. Contact your local agent; they may already work with Hagerty. If not, a Hagerty representative can get them up and running quickly.

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    • It depends. The Hagerty Drivers Club™ 1st Gear and 2nd Gear cover only your classics insured with Hagerty. 3rd Gear covers both your classics and your personally owned vehicles registered to your household. Car hauling trailer coverage is included in both the 2nd Gear and 3rd Gear levels. Additionally, anyone driving the covered car may call for service – Hagerty Drivers Club™ covers the car, we do not restrict our plan(s) to a specific driver.*

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

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    • The following services are excluded from your benefit allowance*:

      • Any services obtained directly by you. You must call the number on your Hagerty Drivers Club™ membership card to obtain service
      • Any additional parts, labor, storage or other fees
      • Charges in excess of the plan level limit
      • Regular vehicle maintenance 
      • Non-emergency purposes:
        • Transportation between two service facilities
        • Restoration related transportation
        • Transportation of a previously inoperable vehicle
      • Recovery of vehicle subjected to natural disaster
      • Vehicle submerged in water
      • Vehicle on an unmaintained road. Please note: Winching is included up to 100 feet off of a maintained road.
      • Recreational Vehicles
      • Non-collector vehicle trailers including ATV and Utility trailers
      • Vehicles used for commercial purposes
      • Vehicles in excess of 10,000 pounds GVW and vehicles longer than 21 feet may not be accommodated on a flatbed recovery vehicle and may require special equipment. Dispatch for service may take additional time. Examples of such vehicles include but are not limited to: fire trucks, semitrucks, stretch limousines, buses, military vehicles, and tractors.
      • Towing at the direction of law enforcement agency related to an intentional traffic obstruction by a non-disabled vehicle, impoundment due to improper parking, abandonment, illegal parking, or other traffic violations.

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    • 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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    • Yes, please see overseas shipping for details.

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    • No. The roadside program only applies to services dispatched by Hagerty Drivers Club™. You must call the the Emergency Roadside Service number located on your membership card and/or key fob to have service dispatched. Any services retained directly by you are not included.*

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    • 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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    • 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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    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.