Do You and Your Vehicle Qualify for Collector Car Insurance?
Qualifications for coverage with Hagerty Classic Car Insurance depends on how you use and store your collector car, as well as your driving record.
There’s a collector car for every budget and taste, and we pretty much insure them all. Just select the type you have to get started.
Minimum Vehicle and Driver Eligibility
Minimum Vehicle and Driver Eligibility
Vehicle Usage: Reasonable pleasure use is allowed and encouraged, with no fixed restrictions — you just can’t be using it as your daily driver.
Vehicle Usage: Reasonable pleasure use is allowed and encouraged, with no fixed restrictions — you just can’t be using it as your daily driver.
Storage: Ideally, your vehicle is stored in a secure, enclosed structure like a private garage, car condo or storage unit. However, we will consider other storage types, such as driveways, parking garages, carports, or car hauling trailers.
Storage: Ideally, your vehicle is stored in a secure, enclosed structure like a private garage, car condo or storage unit. However, we will consider other storage types, such as driveways, parking garages, carports, or car hauling trailers.
Daily Driver: All members in your household with a valid driver’s licence must have an insured regular-use, four wheeled vehicle of their own for daily driving.
Daily Driver: All members in your household with a valid driver’s licence must have an insured regular-use, four wheeled vehicle of their own for daily driving.
Your Eligibility: You can’t have had any serious infractions, such as alcohol-related offences, distracted driving, careless or dangerous driving, or excessive speed violations, within the last three years
Your Eligibility: You can’t have had any serious infractions, such as alcohol-related offences, distracted driving, careless or dangerous driving, or excessive speed violations, within the last three years
Collector Cars We Insure
There’s a collector car for every budget and taste, and we pretty much insure them all. Just select the type you have to get started.
Antique & Classic
Automobiles that are at least 25 years of age, including commercial weight collectible automobiles such as: retired military trucks, retired semi/dump/tow/trucks, and retired farm tractors.
Automobiles that are at least 25 years of age, including commercial weight collectible automobiles such as: retired military trucks, retired semi/dump/tow/trucks, and retired farm tractors.
Modified
Automobiles that are at least 15 years old that have been customized from their original manufactured state for purposes of appearance or enhanced performance. This does not include updates to vehicle safety systems, such as modernized brakes or passenger restraints, or a new, non-custom paint job.
Automobiles that are at least 15 years old that have been customized from their original manufactured state for purposes of appearance or enhanced performance.
Modern
Limited or late model production automobiles that are 24 years of age or less that are considered collectible, with an annual production of not more than 25,000 units. Examples include special and limited editions, supercars, exotics, and imports.
Limited or late model production automobiles that are 24 years of age or less that are considered collectible, with an annual production of not more than 25,000 units.
Vehicles That Don’t Make the Cut
Of course there are exceptions to every rule, and the same goes for the vehicles we can insure. We don’t offer insurance for:
Of course there are exceptions to every rule, and the same goes for the vehicles we can insure. We don’t offer insurance for:
- Motorcycles, Trikes, or All-Terrain Vehicles
- Any vehicles used in any type of racing or track activities (e.g. time trials, on-track driver education, nostalgic car track days, drifting, burnout competitions, etc.)
- Any vehicles used for towing/hauling, camping, off-road or utility-type driving, or commercial use
- Pro-street vehicles modified exclusively with racing equipment such as wheelie castors, roll cages, parachutes, 700 hp or greater, etc. (show-use only vehicles may be given consideration)
- Tuners or any vehicles used in Stereo/Sound competitions or shows
- Any vehicle powered by Nitrous Oxide, Propane, Alcohol, or Nitro Methane fuel systems
- Homemade or Handmade vehicles. Professionally built vehicles may be given consideration.
- Low riders
- 1963 – 1967 Shelby Cobra Roadsters replica automobiles
- Japanese manufactured Right-hand drive vehicles less than 25 years of age
- Tanks and X-Military Vehicles with Tracks
- Dune Buggies or Sand Rails
- Motorcycles, Trikes, or All-Terrain Vehicles
- Any vehicles used in any type of racing or track activities (e.g. time trials, on-track driver education, nostalgic car track days, drifting, burnout competitions, etc.)
- Any vehicles used for towing/hauling, camping, off-road or utility-type driving, or commercial use
- Pro-street vehicles modified exclusively with racing equipment such as wheelie castors, roll cages, parachutes, 700 hp or greater, etc. (show-use only vehicles may be given consideration)
- Tuners or any vehicles used in Stereo/Sound competitions or shows
- Any vehicle powered by Nitrous Oxide, Propane, Alcohol, or Nitro Methane fuel systems
- Homemade or Handmade vehicles. Professionally built vehicles may be given consideration.
- Low riders
- 1963 – 1967 Shelby Cobra Roadsters replica automobiles
- Japanese manufactured Right-hand drive vehicles less than 25 years of age
- Tanks and X-Military Vehicles with Tracks
- Dune Buggies or Sand Rails
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