We provide liability, accident benefits and loss or damage coverage for collector
vehicles that are owned for limited pleasure driving, car shows, and club events.
We do not offer coverage on regular-use vehicles driven on a daily basis. We provide
full insurance coverage for a variety of vehicles at least 15 years old*, including:
Replicas
Street Rods
Antique Farm Tractors**
Trailers
Trucks
Vehicles Under Active Restoration
Antique Fire Trucks
*Exotic and Special Interest vehicles 0-14 years old may also be considered in Ontario.
**Antique farm tractors can only be considered in Ontario.
At Hagerty, we offer insurance to people who are passionate about cars. In order
to provide the best coverage at competitive rates, we must consider usage and storage
of the collector vehicles, as well as driving records and regular-use vehicles for
all household drivers.
- Usage: Vehicles insured in our program must be used on a limited
basis consistent with the operation of something valuable, such as club functions,
exhibitions, organized meets, tours and limited pleasure driving.
- Storage: Collector vehicles valued over $50,000 should be stored
in a fully enclosed, locked garage when not in use.
- Driver Eligibility: Generally, one or two minor violations or accidents
are acceptable for our program. We will not accept major violations such as any
alcohol/drug violation or reckless driving which occurred within the last 3 years.
Applicants and household drivers must have 10 or more years driving experience.
All household driving records are subject to review by an underwriter.
- Regular-Use Vehicles: All licenced household drivers must have
a
regular-use
vehicle for daily driving. Applicant must also maintain regular-use insurance in
his or her own name. Motorcycles and public transportation are not considered regular-use
vehicles for our program.
We
do not offer an insurance product for the following types of vehicles:
- Inexpensive home-built kits that do not replicate a classic vehicle
- Replicas of the 1963-67 Shelby Cobra Roadster
- Any vehicles used for camping, off-road or utility-type driving
- Pro-street vehicles modified exclusively with racing features such as roll cages,
wheelie casters, nitrous systems, parachutes, etc. (Consideration may be given to
show-use only vehicles)
- Regular-use vehicles driven on a daily basis
- Vehicles used primarily for commercial purposes
- Any vehicle modified with a nitrous system. Vehicles that run on nitro-methane or
blown alcohol systems are ineligible
- Motorcycles or scooters
- Dune buggies
- Antique farm tractors in Alberta or British Columbia
Coverage may not be available in all provinces and territories. This is only a general
description of coverage.
Important Note: Hagerty reserves the right to evaluate all risks
before coverage is made effective. No coverage is in place until you receive specific
notification from Hagerty.