No. Our program is not designed to provide coverage for vehicles while they’re being raced. Each provincial policy contains exclusions for racing.

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. For more information see modified vehicles.

No. At Hagerty, we offer an annual policy.

No. It does not.

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.

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.

We offer insurance for a wide variety of collector vehicles. Please see our Does My Vehicle Qualify? section for details

We typically do not require appraisals. If we need further documentation supporting a vehicle's value, we will contact you during the underwriting process.

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.

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.