Frequently Asked Questions

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How are RV insurance premiums determined?
RV premiums are primarily based on the value that the RV is insured for.
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What is "replacement cost"?
In the event of a total loss, with a replacement cost policy, your claim will be based on the cost...
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What is "guaranteed replacement cost"?
In the event of a total loss claim, if you have guaranteed replacement coverage, the insurance company is obligated to...
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What is “liability”?
Liability coverage protects you against financial loss if you are sued and found legally responsible for someone else's bodily injury...
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Are online rates the same value as those of our brokers?
Yes, for a standard RV policy, the rates on our website are the same as a broker would quote you...
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What information do I need to apply for my RV insurance?
We will require basic information like your name, address, the year, make, model, serial number and value of your RV...
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How can I reduce my RV insurance premiums?
We offer multiple discounts and endorsements that make our otherwise competitive insurance rates even more affordable. Be sure to give...
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I’m having problems with completing my quote/application. Help?
Be sure to give us a call at 1.844.929.4768 and speak to a sales representative to help you complete your...
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Why haven’t I received a confirmation email after completing my online quote/application?
There are a few things you can do. First, check your spam folder to ensure it didn't end up there....
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What is “guaranteed value” (agreed value)?
Guaranteed Value insurance policies essentially guarantee the amount that will be paid out in the event of an insured total...
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How can I reduce my collector car insurance premium?
We offer multiple discounts and deductible options that make our otherwise competitive insurance rates even more affordable. Be sure to...
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How are collector car insurance premiums determined?
There are a number of factors that determine your premiums including the value of the collector vehicle, your driving history...
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Do collector cars have a minimum insurance premium?
Yes, collector cars have a minimum insurance premium of $100.
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Classic car vs collector car. What is the difference?
The term "classic car" applies to specific automobiles that are at least 25 years of age, including commercial weight collectible...
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How many years of driving experience are required for collector car insurance?
You need 10 years of consecutive driving experience in Canada or the US in order to qualify for collector car...
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Does my vehicle qualify for collector car insurance?
Please see our Collector Car Insurance page for details on whether or not your vehicle qualifies for insurance.
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Is an appraisal required for collector car insurance?
No, generally we do not require appraisals as we have exclusive access to valuation resources through the Hagerty collector car...
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What is the value of my collector car?
The Hagerty Valuation Tool can help you determine the proper value of your collector car or you can simply give...
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Are online collector car rates the same value as those of our brokers?
Yes, for a standard collector car policy, the rates on our website are the same as a broker would quote...
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What information do I need to apply for collector car insurance?
You will need the collector vehicle's ownership, colour photos, your drivers licence number and provide details on your driving history...
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What is the minimum value of collector cars that you ensure?
We typically insure collector cars valued at $5000 and over. However, we can make exceptions for certain lesser valued collectors....
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I’m having problems with completing my quote/application. Help?
Be sure to give us a call at 1.844.929.4768 and speak to a sales representative to help you complete your...
See More Detail
Why haven’t I received a confirmation email after completing my online quote/application?
There are a few things you can do. First, check your spam folder to ensure it didn't end up there....
See More Detail