1440
 

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    Frequently Asked Questions - All

    Hagerty's frequently asked questions will help you learn more about our classic car insurance policy, Hagerty Drivers Club™ and how we handle classic car claims.

    • Should you run out of gas, up to 11 litres of fuel will be delivered to you as part of the roadside service program. You are responsible for any fuel beyond the amount provided.

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    • The service providers who provide roadside assistance are independent contractors and not agents or employees of Hagerty Insurance Agency, LLC; Hagerty Canada, LLC; Hagerty Drivers Club™, LLC (collectively "Hagerty"); or National Motor Club. As an independent contractor, they have exclusive control over their own equipment and personnel. Hagerty and National Motor Club are not responsible for their acts or omissions. In the case of damage, you must report it within three days of your service incident by calling the emergency roadside assistance hotline at 866-922-6569.

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    • The Hagerty Education Program is a non-profit organization dedicated to funding education and training for the next generation of collector vehicle enthusiasts.

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    • Yes. We understand the importance of having your vehicle properly repaired, and the peace of mind that comes from knowing it is in good hands. So you always have the choice of where to repair your vehicle.

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    • Typically most wooden boats, as well as high-quality non-wooden boats of traditional design. Please see what qualifies for more details.

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    • It depends. If your vehicle only needs to be towed due to a mechanical or electrical breakdown, then this would not be covered. If you are enrolled in Hagerty Drivers Club, our towing and roadside assistance program geared exclusively to collector vehicles, you can contact us at 866-922-6569 to arrange a tow. However, if your vehicle is non-drivable as a result of a covered loss (e.g. collision with another vehicle) then reasonable costs for a tow would be covered under your claim.

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    • Hagerty has an on-staff parts specialist whose primary responsibility is to track down difficult-to-find parts. We have deep resources that extend way beyond the typical internet search or publications. So if it’s out there, we can almost always locate it.

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    • Bay Mills adjusters are licensed and trained to ensure proficiency in handling specialty damage claims for collectible vehicles. They work for the company and operate out of the Aviva Specialty office called Bay Mills in Beaverton, Ontario. An appraiser is an independent specialist who is out in the field acting as the eyes and ears for the in-house adjuster. Adjusters working on our claims have valuable relationships with independent appraisers extending across the country to help ensure that only the most knowledgeable and courteous appraisers are inspecting your vehicle.

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    • After a claim is filed, a specialty adjuster from Bay Mills is assigned and will contact you. Typically, this first call from your adjuster will happen on the same day the claim was filed.  See How Do I File a Claim.

      In this call, your adjuster will discuss the loss and coverages, determine whether to assign an appraiser or ask for an estimate and photos and address any next steps that are needed to resolve the claim. 

      The next steps could be as easy as getting the estimate and photos or appraiser report.

      At this time, your adjuster would be able to review the information, confirm coverage and make any applicable payments for your vehicle’s damages.

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

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