Qualification for our collector vehicle insurance program depends on vehicle and owner guidelines.
Our program policy allows the collector vehicle to be used for club functions, exhibitions, organized meets, tours and leisure use, including occasional pleasure driving — it just can't be a daily driver. Usage of 8,000 kilometres or less is generally consistent with operating vehicles that have collectible value.
Usage and kilometres 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.
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*:
Province exceptions do apply.
Because we provide low-cost, agreed 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 type of risk. We determine eligibility based upon the accumulation of all risk characteristics related to our program guidelines.
* Storage and driver eligibility are subject to underwriter review and to all applicable provincial and underwriting restrictions.
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.