Insurance products

Hagerty Private Client

Exceptional protection for what drives you.

Rare and high value collector vehicles showcased in a garage.

Benefits of Hagerty Private Client

Coverage and care for the world’s finest vehicles

  • Our industry-leading programs were created specifically for collectors like you, with best-in-class coverage, expertise and resources. Beyond insurance, we’re on a mission to save driving so that automotive history, design and culture are preserved and celebrated for future generations.
  • Staff on site at largest auctions and events

Customized coverage to fit your life

We promise to give your collection the attention it deserves

  • Guaranteed Value® protects your car or collection for its true value, with no appraisals required.
  • You’ll have access and an expert valuation team that studies trends and compares data from auctions and sales worldwide.
  • Going overseas? Let us know and our overseas shipping, touring and event coverage will travel with you.
  • We can also cover your other automotive needs, including business insurance and protection for vintage motorsports, spare parts, tools, automobilia and more.

Dedicated to excellence

We’ll handle the details so you can enjoy your collection

  • You’ll have a dedicated team to manage your collection, review your policy, adjust vehicle values and quickly respond to any questions.
  • If the market value of your collector vehicle increases, our Market Appreciation Coverage pays up to 150% of your vehicle’s insured value in the event of a covered total loss.
  • Newly acquired vehicles are automatically covered for 90 days at the equivalent of the highest valued vehicle you currently have insured, up to $5 million.

Additional customized features

Market value protection

If the market increases above the value of your collector classic and a covered total or partial loss happens, you'll receive up to 150% of the insured value.

Cherished Salvage®

We understand that you might not want to give up your vehicle in event of a total loss. With Cherished Salvage, you keep your vehicle and still receive the full Guaranteed Value®, minus any deductible.*

Value guard

The insured value of each vehicle increases by 2% at the end of every quarter to protect against midterm market inflation.**

Automatic new purchase coverage

When adding to the collection, a newly acquired collector vehicle is automatically covered for 90 days. This coverage will equal the highest-valued vehicle insured through us up to $5 million, or its purchase price if less.

VIN theft and fraudulent title coverage

If an insured VIN is used unlawfully, this covers up to $50,000 (or a vehicle’s value if less) for approved expenses to prove ownership. This includes if the vehicle was purchased with a fraudulent title, and if the classic is confiscated by public authorities.

Evacuation expense

Protect moving insured vehicles during emergencies for 50% of the cost up to $250/vehicle/event and $2,500 vehicle/year.

Trip interruption

If a covered accident happens while traveling in a collector car, you will receive up to $1,500 in coverage for related expenses.

International coverage

Traveling with collectibles is covered for physical damage and excess liability.***

Our mission to save driving

We’re committed to fueling a community of car lovers and making an impact

  • With Hagerty Drivers Club, we make the experience of owning, driving and loving cars better with members-only events, seminars, Hagerty Drivers Club magazine, discounts and more.
  • Garage + Social is a world-class vehicle storage and exclusive social club offering members exceptional garages and gathering spaces.
  • Hagerty Drivers Foundation helps to make sure the vehicles we love -- and the lifestyles that revolve around them-- thrive well into the future by supporting initiatives that focus on automotive preservation, youth programs and more.
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* Guaranteed Value includes all taxes and fees unless prohibited by state law.

** Value will return to original Guaranteed Value at renewal, unless the client requests a value increase and Hagerty agrees.

*** Coverage not available in Mexico or countries designated as non-US trading partners.

Policies underwritten by Essentia Insurance Company. Hagerty determines final risk acceptance. Some coverage not available in all states. This is a general description of coverage. All coverage is subject to policy provisions, exclusions and endorsements.

Hagerty, Cherished Salvage, and Guaranteed Value are registered trademarks of the Hagerty Group LLC, ©2019 The Hagerty Group, LLC. All Rights Reserved.