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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. 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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    • 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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    • You can call our in-house claims department. We are collectors and enthusiasts ourselves and have been helping people like you for more than 25 years. We will take your information, help you get estimates, and issue a check for repair at a facility of your choice.

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    • Some access-controlled roadways, such as the Garden State Parkway in New Jersey, are state- or municipality-controlled. Only specific contracted providers are allowed to provide service on these roadways. In some cases, those providers refuse to work with networks like Hagerty Drivers Club™, and you may be instructed to call the police or local administrator for service. You would then need to submit an invoice for reimbursement up to your benefit allowance.*

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    • Generally, we will need a completed and signed application; several color photos (interior, exterior, engine, and transom), a current out-of-water survey and a premium payment. Any additional information required will be listed in the letter attached to the quote.

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    • Out-of-water port risk is available for vessels that will be out of the water for a long period of time. It would cover virtually anything that would happen to the vessel out of the water, including during storage and land transportation.

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    • There are three types of value related coverage offered in the marine insurance industry today:

      1. Actual Cash Value: This is the coverage type found most often on homeowners policies. It pays out a depreciated, “book value” in the event of a claim. The older the boat on this kind of policy, the less value it has.
      2. Stated Value: These policies are better than Actual Cash Value because they allow you to “state” a value for your boat greater than its depreciated book value. But, these policies can still depreciate vessels, because they usually allow the insurance company to pay “up to’ the stated policy amount.
      3. Agreed Value: Only Agreed Value polices guarantee you will get all of your insured value back in the event of a total loss. There is no depreciation of a vessel’s value with an Agreed Value policy, although many companies will still apply a deductible in the case of a total loss. Hagerty Classic Marine Agreed Value policies waive the deductible in the event of a total loss.

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

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    • Many marine insurance policies have age limits – 15 to 20 years usually. They may also exclude or penalize wood boats. That’s where Hagerty can help. We insure more classic and wooden boats than anyone in the world.

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    • We typically do not require appraisals. If we need further documentation supporting a vehicle's value, we will contact you during the underwriting process.

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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.