Insurance products

Eligibility guidelines

Qualification for our collector vehicle insurance program depends on vehicle and owner guidelines.

Usage and Mileage

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.

Qualification for our classic car insurance program depends on vehicle and owner guidelines.

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, car condo or storage unit - we will consider other storage types, including:

Carports may be considered in all states except CA and FL (counties of Broward, Miami-Dade & Monroe)

  • Must not be within 5 miles of the coast in FL or LA
  • Vehicle value must not exceed $100,000
  • Motorcycles and some modified vehicles are not eligible if stored in a carport

Specific Guidelines

We are able to consider vehicles stored in driveways valued up to $50,000 in your select state

Parking Garages may be considered in all states except CA

  • Must have 24 hour security such as an alarm system, guard or video surveillance
  • Must be limited access (not for public use)
  • Assigned parking spaces are preferable

Car hauling trailers and other enclosed structures may be considered in all states except CA

  • Must be anchored to a stationary object and/or located in a secure location
  • The value of the collector vehicle(s) stored inside should not exceed $50,000
  • Collector vehicle(s) valued at more than $50,000, the trailer must also be stored inside (warehouse, airplane hangar, pole building, etc.)

Vehicles kept in driveways may be considered in all states except CA, CO, FL or HI

  • Must not be within 50 miles of the coast in LA
  • Vehicle value must not exceed $50,000
  • Motorcycles and some modified vehicles are not eligible if stored in a driveway

Unacceptable storage includes:

  • Temporary storage facilities assembled of canvas or plastic (i.e. tents, domes or igloos)
  • Streets
  • Parking lots
  • Public parking garages

Driver Eligibility

In most states, we can't offer coverage to drivers with a serious infraction. Serious infractions include:

  • Alcohol-related offenses
  • Reckless driving
  • Excessive speed violations

All household driving records are subject to underwriter review. Generally one or two minor violations or accidents are acceptable.

Vehicles That May Not Qualify

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:

  • Off-road or recreational vehicles
  • Vehicles driven on a daily basis
  • Commercial-use vehicles
  • Motorcycles with performance modifications

Please Note: Hagerty differs from standard insurance in that we don't have a price for every type of risk. We determine eligibility based upon the accumulation of all risk characteristics related to our program guidelines.

Coverage Limits

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.

Daily Use Vehicles

  • All household members with a valid driver’s license must have a vehicle to drive on a daily basis
  • Clients with less than one daily use vehicle per driver may be considered
  • The daily use vehicle should be reliable
  • Motorcycles and public transportation are not considered viable daily use vehicles by our program in most cases (contact us for details)
  • Applicants must also maintain daily use insurance in their own names

All coverage not available in all states. This is only a general description of coverage. All coverage is subject to policy provisions, exclusions and endorsements.