Insurance products

Additional coverages

Insurance policies through Hagerty Canada include unique additional coverages that larger car insurers aren't flexible enough to offer. Call now to add to a policy.

We know that classic vehicles need special care. That's why we offer special coverages for vehicles under construction, for retention of salvage rights, and for moving a covered vehicle due to natural disasters.

Vehicle Under Construction

Get better protection when restoring or building a car, for an additional $25 per vehicle annually.*

Automatic quarterly value increases

The car’s Guaranteed Value® will automatically increase 10% per quarter up to a maximum increase of $25,000.** No call necessary.

Additional tool coverage

$750 worth of coverage for their automotive tools.

Access to member assistance towing

A dedicated toll-free number to classic and collectible vehicle towing specialists who can help them get their car back and forth from the shop.

To qualify for our program, vehicles under construction must meet the following requirements:

  • Work on the vehicle is active
  • Value should be determined using current condition, not the finished value

Cherished Salvage® coverage

Some customers will do whatever it takes to keep their vehicle because of their emotional or financial investment. They may have purchased it new or inherited it, or own a vehicle of high value. That's why Hagerty created Cherished Salvage coverage, which allows your customers to retain their vehicle after a covered total loss.***

Coverage details

  • In the event of a covered total loss or constructive total loss, the insured retains salvage rights. The policyholder will be able to keep the vehicle and still receive the full Guaranteed Value®.
  • Additional cost of 15% of the vehicle’s Comprehensive and Collision premiums (if applicable).*

Evacuation Expense coverage

We'll pay 50% of any reasonable expense incurred to move a covered vehicle from an area experiencing emergency conditions to a secure location for storage, for up to 180 days. Coverage up to $250 per vehicle per occurrence applies, with an annual cap of $1000 per vehicle. Additional cost is only $5 per covered vehicle.*

Emergency conditions include:

  • A named storm watch, warning or advisory by a government agency like Environment Canada
  • A government-ordered evactuation of the area where your vehicle is located

* Rates subject to change.

** Value will return to original Guaranteed Value at renewal, unless you request a value increase and Hagerty agrees.

*** Less any deductible; MB & SK: and after settlement with your government policy. Includes any applicable taxes unless prohibited by law. AB & QC: Agreed value applies under the Guaranteed Value Plus Endorsement.

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

Hagerty Canada, LLC policies are underwritten by Elite Insurance Company, a subsidiary of Aviva Canada Inc. Hagerty determines final risk acceptance.

Hagerty is a registered trademark of the Hagerty Group LLC, ©2019 The Hagerty Group, LLC. All Rights Reserved.