Qualification for our classic car insurance program depends on vehicle and owner guidelines.
Our policy allows the collector vehicle to be used for club functions, exhibitions, organized meets, tours and even occasional pleasure driving — it just can't be a daily driver. Regular driving to work and/or for errands up to 5 months a year as a Seasonal Driver may be considered.
Usage and mileage requirements may differ based on the vehicle that is being insured, such as collector trucks or vehicles that are 1980 and newer. Please review specific vehicle guidelines for this information.
Mileage of 3,500 or less is generally consistent with operating vehicles that have collectible value. Mileage up to 7,500 may be considered.
Though we prefer that collector vehicles are stored in an enclosed, secure structure when not in use - such as a private garage, pole barn or storage unit - we will consider other storage types, including:
We are able to consider vehicles stored in driveways valued up to $50,000 in your select state
In most states, we can't offer coverage to drivers with a serious infraction. Serious infractions include:
All household driving records are subject to underwriter review. Generally one or two minor violations or accidents are acceptable.
Because we provide low-cost, Guaranteed Value™ coverage, we are not able to provide coverage for certain vehicles due to how they are used and the increased risk associated. Examples of vehicles not eligible include:
Please Note: Hagerty differs from standard insurance in that we don't have a price for every risk. We determine eligibility based upon the accumulation of all risk characteristics related to our program guidelines.
Hagerty can offer liability limits less than or equal to the limits carried on the Personal Auto Policy (PAP).
We can consider Business Auto Policies. However, the maximum limits we will offer are $100/$300 liability and state minimum limits for UM/UIM. We can consider higher limits when there is a Drive Other Car (DOC) or Individual Named Insured (INI) endorsement attached. Exception: The maximum limits we will offer in GA, KS, MN, NY, NC and NH are state minimum limits. A copy of the BAP and DOC/INI endorsement (if applicable) are required.
Umbrella liability limit requirements can also be met, except in GA, KS, MN, NY, NC and NH. Proof of the umbrella requirement is required.