They’re the vehicles we dream about, care about and treat with special care. You own a classic car now, and want insurance that’s a perfect fit – affordable and tailored for how you use it. Choose Hagerty Canada to insure your classic and you’ll get these benefits and more:
It’s no fun to think about, but if a covered total loss happens you’ll receive the value you agreed on with us. No depreciation, no hassle.
Do you want to do things like take weekend drives, trips to the movies and attend car events and cruises? We encouraged it. Pleasure use with no fixed mileage restrictions*** gives you freedom to enjoy your ride.
Hagerty Drivers Club™ is designed specifically for collector cars. It is a comprehensive 24/7 full service roadside assistance program for lockouts, battery jumps, tire changes, emergency fuel delivery and more — guaranteeing flatbed towing with soft straps.
Our experienced adjusters are trained in collector vehicles repair and consumed with high service standards. They understand that getting work done efficiently means knowing the best materials, people and actions to take, which saves time and alleviates possible hassles as the claim is processed.
Your policy is tailored to your vehicle and needs which means you won’t pay for extras you don’t use. And because we specialize in collector car insurance, our premiums are up to 52% lower* than standard car policies.
Changes in how people look at vehicles and driving are happening but we believe the thrill and joy of driving will live on. That’s why we support organizations and initiatives that focus on the value that these special vehicles continue to bring to our lives. We are dedicated to supporting car culture through our suite of Youth Programs and support of the RPM Foundation and Historic Vehicle Association.
When researching the value of your vehicle, the most important factor – and most common mistake – is correctly assessing the vehicle's condition. Many owners overrate the condition of their car, so be sure to carefully evaluate the vehicle using Hagerty's definition of condition grades #1 to #4. Keep in mind that cars in conditions #1 and #2 are extremely rare, and vehicles in condition #5 and #6 also exist even if Hagerty Price Guide does not publish those prices.
The second most important factor is properly identifying the car, down to the car's unique options, provenance and history. Number of owners, originality, interesting equipment and documentation can all enhance a vehicle's value, so take the time to get a complete picture. Once you know what you have, find your vehicle in Hagerty Valuation Tools® by selecting the appropriate year, make, model, submodel, body style and engine. Or, enter your vehicles VIN and choose from the resulting matches. Compare current Price Guide values with recent public sales and asking prices for similar vehicles for sale. All of these resources can help provide a sense of a vehicle's value.
Classic car insurance offers some key benefits compared to daily driver or “regular“ insurance.
We understand your car is a prized passion and will be driven with great caution, so we adjust the premiums accordingly -- 52% lower on average than daily driver insurance. With a daily driver insurance policy, your classic may be rated like a regular-use vehicle, and you’ll be charged as if you were driving the vehicle every day.
Agreed Value coverage means you tell us the value of your classic and we’ll affirm that it’s a fair, accurate number. Then, we GUARANTEE that value will be paid to you in the event of a covered total loss. Regular car insurance carriers offerActual Cash Value or Stated Value coverage, which may depreciate the value of your vehicle in the event of a claim, resulting in a smaller payout than you anticipate.
No Fixed Mileage
Our policy allows you flexible usage -- with no fixed mileage limits. Even if you have full coverage through a regular car insurance carrier, there may be mileage and usage restrictions to control how and when your classic is driven.
We cover all kinds of classic cars, trucks and other vehicles, including antiques autos, collector and vintage cars, some modified and newer vehicles (sometimes called “modern classics” or “future classics”), along with many different kinds of specialty vehicles. Qualification depends on usage, storage and driving record. For more information, view our Driver Eligibility page.
All coverage not available in all provinces. This is only a general description of coverage. All coverage is subject to policy provisions, exclusions and endorsements.
**Agreed Value to include the applicable sales taxes in the province in which your policy coverage applies. The Agreed Value is the total amount of your car’s insured value on your Certificate of Insurance irrespective of changes to tax rates, currency fluctuations or other fees and expenses. Any deductible and/or salvage value if vehicle is retained by you will be subtracted from the total amount paid.
***Occasional pleasure use does not mean use for daily driving to and from work or school, routine shopping, etc.