Learn more about a collector vehicle insurance policy through Hagerty and how we handle claims.
For smaller boats, runabouts, utilities, skiffs and launches, we will generally cover you for the amount you request without further documentation. The value you request should include the applicable sales taxes in the province in which your policy coverage applies. If the value is higher than the range we have experienced for that particular make and size, we may request additional information. It may be a special model or prototype, or have historical significance that would warrant a higher value.
Guaranteed Value insurance policies guarantee that, in the event of a covered total loss, if you decide not to keep the vehicle, you will receive the full amount for which you insured your vehicle less any deductible. Please see the policy features main page for more details.
There are three types of value related coverage offered in the marine insurance industry today:
- Actual Cash Value: This is the coverage type found most often on homeowner's policies. It pays out a depreciated, “book value” in the event of a claim. The older the boat on this kind of policy, the less value it has.
- Stated Value: These policies are better than Actual Cash Value because they allow you to “state” a value for your boat greater than its depreciated book value. But, these policies can still depreciate vessels, because they usually allow the insurance company to pay “up to" the stated policy amount.
- Guaranteed Value: Only Guaranteed Value polices guarantee you will get all of your insured value back in the event of a total loss. There is no depreciation of a vessel’s value with a Guaranteed Value policy, although many companies will still apply a deductible in the case of a total loss. Hagerty Classic Marine Guaranteed Value policies waive the deductible in the event of a total loss.
Yes, roadside service comes with all Hagerty Drivers Club membership levels. You can choose from 30, 80 or 200 kilometres of unlimited emergency roadside service. Please visit our roadside page for more details.
No. The roadside program only applies to services dispatched by Hagerty Drivers Club. You must call the Emergency Roadside Service number located on your membership card and/or key fob to have service dispatched. Any services retained directly by you are not included.*
It depends. First and Second Gear plans cover only your collector vehicles. Our Third Gear plan covers both your collector and classic cars as well as your primary vehicles registered to your household. Car hauling trailer coverage is included in both the Second and Third Gear levels. Additionally, any family member in your household driving a covered car may call for service – Hagerty Drivers Club covers the car, we do not restrict our plan(s) to a specific driver.*
Hagerty Drivers Club provides assistance for changing the wheel and tire with your inflated spare. If you don't have a spare, our certified dispatch agents will advise you of nearby companies who sell spare tires and will dispatch a tow to get you and your vehicle to the service station. Please note: Hagerty Drivers Club will not cover the cost of a new spare tire or the labor associated with tire balancing, rotation or alignment.*
Our roadside service covers vehicles owned by you and covers members of your family who reside in the same household while they drive your vehicles. Our Third Gear membership covers all household vehicles, while our First and Second Gear memberships cover only your collector or classic vehicles.
Benefits can be enjoyed as soon as membership has been purchased and a username and login credentials have been set up.
In 2019, we held more than 125 events for our club members. Events included driving tours, private dinners, cars and caffeine gatherings, exclusive movie premieres and virtual events. We will continue to offer access to members-only experiences, whether that means in-person gatherings, exclusive livestream panels or other virtual events. Check our events page for an up-to-date schedule.
In 2019, Hagerty Drivers Club members collectively saved over $150,000. Use roadside service just once, take advantage of a couple automotive discounts or use your $50 DriveShare credit and you’ll have already paid for the cost of membership. Depending on which discounts and services you take advantage of, you could personally save hundreds or even thousands.
You will receive an email reminder with your renewal date, plan information and cost shortly before your membership expires.
You may have opted out of email communications that include events and discount offers. Don’t worry, we can add you back to our email list. Please call our service center for assistance: 800-929-4050.
- Complimentary subscription to Hagerty Drivers Club magazine (six issues per year)
- Premium access to Hagerty Valuation Tools
- Invites to members-only events and experiences
- Automotive discounts
- Top-of-the-line roadside service
- Hagerty Carcierge – car experts on call to answer member questions
- Membership to the Historic Vehicle Association
- Unlimited emergency usage
- Guaranteed flatbed with soft straps
- Text notifications
- Live event tracking (where available)
- Follows vehicle, not person
Our Carcierge Help Desk offers access to automotive experts ready to help you with any questions you may have. Whether it’s help locating hard-to-find parts or a specialty shop or answering questions about your car’s value, we’re here to help.
Hagerty Drivers Club strives to provide you service within 60 minutes of dispatching. This 60-minute estimated time of arrival can vary based on weather, traffic, extra distance or peak-period demand. Our dispatch agents will always notify you of the expected wait for service at the time of dispatch.
The cost of a tow ranges from $50-150. This includes the hookup fees and mileage. Additional overage cost can range from $2-6 per mile.
A full explanation of Hagerty Drivers Club benefits can be found here.
Hagerty Drivers Club makes the experience of owning, driving and loving cars better through discounts, roadside assistance and more. If you're ready to save money on car stuff and keep pace with car culture, it’s time to join the club.
Your membership kit will be mailed to the address you provide when you sign up.
You must first log in to the secure portion of our site. The Account Management link is located above in the right-hand corner of the page. Once you are logged in:
- Choose Manage My Policy from the left-hand menu.
- In the Summary portion of the screen, look for a link called "add vehicle."
- Click that link and you will be directed through the rest of the process.
You can complete the entire questionnaire process online. It starts with Get a Quote and from there you will be guided through the questionnaire process.
- If you prefer, you can call us for a quote at 800-922-4050. We are open Monday to Saturday for your convenience.
- In addition to a completed questionnaire, you will need to send in all the supporting documentation: photos of your vehicle, an insurance certificate from your personal auto policy and payment.
We can receive your questionnaire materials in many ways — web upload, email, fax or mail. To upload your documents or submit payment online, you must first login to the secure portion of our site. The log-in link is located in the upper right-hand portion of the page. Once you are logged in:
- Choose Manage My Policy from the left-hand menu.
- Look for the links titled "Send Documents" and "Make Payment."
Please see Contact Us for fax numbers and email and mailing addresses.
It depends. First and Second Gear plans cover only your collector vehicles. Our Third Gear plan covers both your collector and classic cars as well as your primary vehicles registered to your household. Car hauling trailer coverage is included in both the Second and Third Gear levels. Additionally, any family member in your household driving a covered car may call for service – Hagerty Drivers Club covers the car, we do not restrict our plan(s) to a specific driver.*
Yes. We understand the importance of having your vehicle properly repaired, and the peace of mind that comes from knowing it is in good hands. So you always have the choice of where to repair your vehicle.
No. Although there is not a limit to the number of service incidents dispatched per 12-month term, they cannot be combined to cover any out-of-pocket expenses that may occur from a single incident.
No. Our program is not designed to provide coverage for vehicles while they’re being raced. Each provincial policy contains exclusions for racing.
No. While you can file your claim online, at this time, you cannot track your claim status online.
Yes. You may upgrade at any time. The increase will be prorated and billed to you. It will take 24 hours to become effective. The term of the Hagerty Drivers Club Program is 12 months. You may cancel your enrollment at any time. However, the cost of enrollment is non-refundable.
No. The program only covers roadside services dispatched by Hagerty Drivers Club. You must call 866-922-6569 to have service dispatched. Any services retained directly by you are not covered.
Yes, Hagerty’s premiums are up to 48% lower on average than everyday insurance. Figure based upon 2014 consumer data collected by Hagerty on single-car quotes, with premiums $5000 and under, from several Daily Driver (or “Everyday”) auto insurance carriers.
Please see Contact Us.
Yes. Most marine insurance programs – including Hagerty’s – will require an out-of-water value and condition survey for all vessels over 26’ that have any type of cabin.
No, Hagerty does not have a mandatory lay-up period.
Not yet. Hagerty will send a provincial application, when required, in your new policy packet. You will need to complete, sign and return the form to us in the envelope provided.
Yes. We can usually issue immediate insurance coverage for boats 26 feet in length or less. A completed application and photos are due within 30 days of a policy being issued.
No. Protection for your collector vehicle should always include collision and comprehensive coverage. We offer affordable premiums to help you cover your vehicle.
No, we are unable to offer coverage for houseboats at this time.
No. Hagerty offers a wide range of coverage options.
Yes. Generally it's $100, although that number may be lower in some provinces.
Yes. For more information see modified vehicles.
Yes. Deductible options are available and vary by province and vehicle type. Any applicable deductibles will be available during the web quoting process.
No. At Hagerty, we offer an annual policy.
Yes. Comprehensive-only coverage is available when a car is undergoing restoration, part of a display (such as in a museum) or placed in long-term storage. You should carefully consider this option since Comprehensive-only coverage does not cover vehicle damage caused by Collision with another object. For example, Comprehensive-only coverage would not pay for (Collision) damage resulting from a vehicle falling off a jack while under repair; or a stored, parked auto rolling into the garage door after a brake failure — scenarios that are fairly common to collector vehicles.
No. It does not.
Unlike most regular marine policies and companies, Hagerty does not specify certain lay-up periods when your vessel must be out of the water. Nor do we limit the regions where you can operate your vessel. Many companies may require you to pay for additional endorsements should you travel outside of the areas listed in your policy. Not Hagerty. Our policy allows unlimited navigation and transportation in all U.S. and Canadian inland and coastal territorial waters.
Membership in the Historic Vehicle Association is automatically included when you enroll in Hagerty Drivers Club, a comprehensive roadside service and benefits program designed exclusively for the automotive enthusiast.
If you are not a Hagerty client, you may purchase membership in the HVA by going to www.historicvehicle.org.
Please see our listing of Ministry websites for assistance.
You have three options:
- Call the Hagerty Claims Department at 877-922-9701 ext. 5
- File a claim online through Hagerty or Aviva
- If your policy is through a local broker, or if you have primary government insurance, you can contact them to file the claim.
Note: Please don’t delay. There are conditions in the policy requiring timely filing of claims.
If you need a new card please contact us at 877-922-9701 and we would be happy to help you.
Hagerty is able to work directly with you to provide coverage. However, should you prefer to use a local broker, Hagerty works with hundreds of brokers across the country. We value our broker relationships and make it easy to do business with us. Contact your local broker; they may already work with Hagerty.
Hagerty Drivers Club is designed specifically for the automotive enthusiast, with roadside service that includes guaranteed flatbed towing with soft straps, automotive discounts, members-only events and much more. Read more...
After a claim is filed, a specialty adjuster from Aviva is assigned and will contact you. Typically, this first call from your adjuster will happen on the same day the claim was filed. See How Do I File a Claim.
In this call, your adjuster will discuss the loss and coverages, determine whether to assign an appraiser or ask for an estimate and photos and address any next steps that are needed to resolve the claim.
The next steps could be as easy as getting the estimate and photos or appraiser report.
At this time, your adjuster would be able to review the information, confirm coverage and make any applicable payments for your vehicle’s damages.
We need one good photo for stock (original) vehicles, showing a full side view of the car. We need four photos for custom or modified vehicles (full vehicle, engine, interior and trunk). Two photos are required for classic pickups (full vehicle and truck bed).
Our program guidelines require that our clients have at least ten years of driving experience.
It depends. If your vehicle only needs to be towed due to a mechanical or electrical breakdown, then this would not be covered, unless you purchased special coverage for this. If you are enrolled in Hagerty Drivers Club, our towing and roadside assistance program geared exclusively to collector vehicles, you can contact us at 866-922-6569 to arrange a tow. However, if your vehicle is non-drivable as a result of a covered loss (e.g. collision with another vehicle) then reasonable costs for a tow would be covered under your claim.
It depends. Trailer coverage is included in the 2nd Gear and 3rd Gear plans. If you have one of these plans, your trailer will be covered up to the limit allowed on your plan. If you are enrolled in the 3rd Gear plan, your everyday use vehicle towing the trailer would be covered.
Our rates are based on limited use. The annual premium rate takes into consideration that the vessel will not be used frequently; however, there are no restrictions on personal pleasure usage.
You must first log in to the secure portion of our site. Login by clicking on the Account Management link located above in the right-hand corner of the page. Once you are logged in:
- Choose Manage My Policy from the left-hand menu.
- To see your payment history, click on View Payment History from the left-hand menu.
- To pay an outstanding bill, click on View and Pay Bill in the left-hand menu.
Program guidelines require all collector vehicles be stored in an enclosed and secure garage. We will consider a variety of storage locations, including home garages and rented storage units. Any questions regarding storage can be directed to a licensed representative.
Simply put, we want you to enjoy your classic vehicle. You’re covered for pleasure use, whether it's a drive on a gorgeous summer day, a trip to the ice cream shop, attending club events or going to shows. While only the policy describes the coverage provided, if you have specific questions about usage, we're happy to discuss them with you.
You can call our in-house claims department. We are collectors and enthusiasts ourselves and have been helping people like you for more than 25 years. We will take your information, help you get estimates and issue a check for repair at a facility of your choice.
Simply call 866-922-6569 to speak to a program representative and request a replacement card.
The service providers who provide roadside assistance are independent contractors and not agents or employees of Hagerty Insurance Agency, LLC; Hagerty Canada, LLC; Hagerty Drivers Club, LLC (collectively "Hagerty"); or National Motor Club. As an independent contractor, they have exclusive control over their own equipment and personnel. Hagerty and National Motor Club are not responsible for their acts or omissions. In the case of damage, you must report it within three days of your service incident by calling the emergency roadside assistance hotline at 866-922-6569.
Hagerty has an on-staff parts specialist whose primary responsibility is to track down difficult-to-find parts. We have deep resources that extend way beyond the typical internet search or publications. So if it’s out there, we can almost always locate it.
The program provides coverage for changing the wheel and tire with your inflated spare. If you don't have one, we will advise you of a company that sells spares and tow the vehicle to a service location.
Should you run out of gas, up to 11 litres of fuel will be delivered to you as part of the roadside service program. You are responsible for any fuel beyond the amount provided.
In the event that this does happen you would then need to submit an invoice for reimbursement up to your benefit allowance.
Generally, we will need a completed and signed application; several colour photos (interior, exterior, engine and transom), a current out-of-water survey and a premium payment. Any additional information required will be listed in the letter attached to the quote.
The following services are not included:
- Shuttle or convenience tows; tows from one shop to another
- Any parts such as new batteries or replacement tires, wires, plugs, etc.
- Any chemicals such as oil, coolant, fuel exceeding 11 litres, etc.
- Repair labour such as tune-ups, tire balancing, wheel alignment, radiator installation, etc.
Recovery of a vehicle from a natural disaster, a vehicle submerged in water or a vehicle on an unmaintained road
- Please note: Winching a vehicle over 30 metres off a maintained road is not covered
- Towing vehicles excluded from the program due to excessive size or weight
- Kilometres in excess of your benefit level allowance
Out-of-water port risk is available for vessels that will be out of the water for a long period of time. It would cover virtually anything that would happen to the vessel out of the water, including during storage and land transportation.
Hagerty Drivers Club strives to provide you service within 60 minutes of dispatching. This 60-minute estimated time of arrival can vary based on weather, traffic, extra distance or peak-period demand. Our dispatch agents will always notify you of the expected wait for service at the time of dispatch.
Bay Mills adjusters are licensed and trained to ensure proficiency in handling specialty damage claims for collectible vehicles. They work for the company and operate out of the Aviva Specialty office called Bay Mills in Beaverton, Ontario. An appraiser is an independent specialist who is out in the field acting as the eyes and ears for the in-house adjuster. Adjusters working on our claims have valuable relationships with independent appraisers extending across the country to help ensure that only the most knowledgeable and courteous appraisers are inspecting your vehicle.
We offer insurance for a wide variety of collector vehicles. Please see our Does My Vehicle Qualify? section for details
Typically most wooden boats, as well as high-quality non-wooden boats of traditional design. Please see what qualifies for more details.
In any situation, take whatever reasonable steps necessary to avoid further damage to the vehicle.
- If you have a collision on the roadway, don't discuss fault with the other driver. Simply get their personal info (name, address, phone number, insurance company and policy number), and their vehicle information (year, make, model, colour, and licence plate).
- In many situations, it can be beneficial to call the police to the scene, especially if anyone in either car is injured or if the vehicles aren't drivable.
- Promptly notify Hagerty or your local broker, as well as any government insurer, to get the claims process started.
Note: Please refer to your policy for complete details of your duties after a loss.
Many marine insurance policies have age limits – 15 to 20 years usually. They may also exclude or penalize wood boats. That’s where Hagerty can help. We insure more classic and wooden boats than anyone in the world.
We typically do not require appraisals. If we need further documentation supporting a vehicle's value, we will contact you during the underwriting process.
A list of marine resources can be found in the comprehensive resource directory on our website.
It’s up to your discretion who you allow to drive your car. Just keep in mind, the same restrictions that apply to you apply to everybody who drives it. While Hagerty supports youth involvement in the hobby, our program guidelines require that every driver has ten years of driving experience (additional restrictions may apply due to provincial collector plate requirements). Please call a licensed representative to discuss your specific situation.
Aviva's specialty team adjusters are licensed and trained to ensure proficiency in handling specialty damage claims for collectible vehicles. An appraiser is an independent specialist who is out in the field acting as the eyes and ears for the in-house adjuster. Adjusters working on our claims have valuable relationships with independent appraisers extending across the country to help ensure that only the most knowledgeable and courteous appraisers are inspecting your vehicle.
Policies without claims may be eligible for a no-claims discount, so filing a claim can affect your eligibility for the discount. Or, if your policy is receiving the no-claims discount, it may be removed upon renewal. However, policies are checked every renewal to see if they qualify.
Hagerty Value Analysis™ covers the annual cost of policy management and eliminates the need of an appraisal for nearly all stock vehicles. Additional features include digital access to our valuation tools with notifications of updates to our valuation data, curated news, and content.
The two costs are not insurance premiums and therefore not listed on the insurance certificate. The policy premium, Hagerty Value Analysis and HDC membership cost (if chosen) are listed on the cover letter inside the new policy packet, which is mailed to you after your policy is issued.
The Hagerty Value Analysis is also disclosed in the Hagerty questionnaire and in the Compensation Disclosure issued with new policies.
If you have questions regarding this information, please contact a licensed representative at 888-348-9369.
* Membership by Hagerty Drivers Club (HDC), a non-insurance subsidiary of The Hagerty Group, LLC. Roadside services provided by Signature Motor Club. Only the HDC Program Guide contains a complete description of benefits.
Hagerty Drivers Club is a registered trademark of the Hagerty Group LLC, ©2024 The Hagerty Group, LLC. All Rights Reserved.