Do I qualify?

Hagerty's ability to offer low premiums and generous benefits is a testament to our clients — some of the most responsible drivers on the road today. In order to continue to offer the competitive rates Hagerty is known for, we must consider several important factors in the approval process:

Qualifications for our program include: 

Usage

Hagerty provides coverage for collector vehicles that are used on a limited basis — e.g. club functions, exhibitions, organized meets, tours and limited pleasure driving.

Storage

Collector vehicles must be stored in an enclosed and secure structure when not in use. Qualifying storage locations include private residential garages, private pole buildings or barns and rental storage units.

Driver eligibility and driving history

Generally, one or two minor traffic violations or accidents are acceptable. We are not able to offer coverage to drivers with a serious infraction within the past 5 years, such as an alcohol-related offense, reckless driving or an excessive speed violation.* All household driving records are subject to review by an underwriter.

Regular-use vehicles

All household members with a valid driver’s license must have a regular-use vehicle for daily driving. Motorcycles and public transportation are not considered regular use vehicles for our program. Applicants must also maintain regular-use insurance in his or her own name.

Vehicle types

Hagerty offers full coverage for many types of collector vehicles.

Learn more about vehicle types that qualify here.