Policy Features
Hagerty’s policy features are based on our own personal experiences as collectors and on feedback we’ve gotten from you – our fellow collectors – at hundreds of car show and events all across the country.
Low Premiums
On average, a Hagerty policy is 37%* less expensive than a regular use policy. For instance, a stock 1967 Camaro valued at $30,000 costs just $273/year.**
Agreed Value Coverage
Most auto insurers determine what they – not you – believe is the “Actual Cash Value” of your vehicle at the time of the loss. Others may offer a pre-determined, “Stated Value” which cover youp to your policy amount minus depreciation. Hagerty offers an “Agreed Value” determined between you and us when you insure your vehicle. You have a total covered loss and that amount is what you receive.
Repair Shop of Choice
You don’t trust your babies to strangers, so neither do we. When you have a covered claim on your Hagerty policy you can take your collector car to your favorite repair shop. Or do the work yourself and we’ll pay you for your time.
In-House Claims
We want your claim handled by a collector insurance expert, so most claims are managed at Hagerty. We’re here for you, seven days a week during the busiest hobby months, April-October.
Hagerty Plus & Roadside Assistance
Hagerty provides low cost, convenient roadside assistance options and Hagerty Plus offers additional resources geared to the interests and lifestyles of collector car enthusiast like you.
Flexible Usage
Cars were made to be driven. So our policy allows for an occasional leisure drive, not just to parades or car events. We encourage limited pleasure use with no fixed mileage limits.
Restoration Coverage
You can protect your classic and its increasing value during an active restoration project easily, without a lot of additional time and paperwork.
Instant New Purchase Coverage
Did you get carried away at an auction? Your existing Hagerty policy includes 30 days of coverage for up to $50,000 in value on your existing Hagerty policy.
Auto Show Medical Reimbursement
Clients or family members injured during an auto show or similar car-related function will receive pre-determined medical coverage.
Motorcycle Safety Equipment Coverage
This feature includes coverage of safety apparel, including leather pants, gloves, jacket and a helmet.
Additional Products & Coverage
We know that your love of collecting – and your investment in your hobby doesn’t end in the garage with your car. That’s why we offer additional products and coverage for your vehicle including the following: