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 (High Quality)
Street Rods
Trailers
Trucks
Vehicles Under Active Restoration
Fire Trucks
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.
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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.
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Storage:
Collector vehicles valued over $50,000 should be stored in a fully enclosed, locked garage when not in use.
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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.
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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:
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Inexpensive home-built kits that do not replicate a classic vehicle
- Replicas of the 1963-67 Shelby Cobra Roadster
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Any vehicles used for camping, off-road or utility-type driving
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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)
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Regular-use vehicles driven on a daily basis
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Vehicles used primarily for commercial purposes
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Any vehicle modified with a nitrous system. Vehicles that run on nitro-methane
or blown alcohol systems are ineligible
- Motorcycles or scooters
- Dune buggies
- Tractors
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.