Frequently Asked Questions - Policy Features

Select a Category

showing 1-6 of 6
  • Are Hagerty’s premiums lower than standard premiums?

    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.

    Was this question helpful?

    • Yes
    • No

    Still need help?

    877-922-9701 Email Support
  • What does Hagerty's "Agreed Value" coverage mean to me?

    Agreed 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.

    Was this question helpful?

    • Yes
    • No

    Still need help?

    877-922-9701 Email Support
  • Does Hagerty write coverage for comprehensive only?

    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.

    Comprehensive

    Car is stationary and the tree branch crushes the roof.
    That’s Comprehensive.

    Collision

    Car is in motion and rolls into a tree. That’s Collision.
    Even if no one was driving.

    Was this question helpful?

    • Yes
    • No

    Still need help?

    877-922-9701 Email Support
  • Does Hagerty offer deductibles?

    Yes. Deductible options are available and vary by province and vehicle type. Any applicable deductibles will be available during the web quoting process.

    Was this question helpful?

    • Yes
    • No

    Still need help?

    877-922-9701 Email Support
  • Do you sell liability-only policies?

    No. Protection for your collector vehicle should always include collision and comprehensive coverage. We offer affordable premiums to help you cover your vehicle.

    Was this question helpful?

    • Yes
    • No

    Still need help?

    877-922-9701 Email Support
  • Does Hagerty have a minimum premium?

    Yes. Generally it's $100, although that number may be lower in some provinces.

    Was this question helpful?

    • Yes
    • No

    Still need help?

    877-922-9701 Email Support
showing 1-6 of 6
This is only a general description of coverage. All coverage is subject to policy provisions, exclusions and endorsements.

*See your Hagerty Plus program guide for a complete description of benefits.