ARE YOU A COLLECTOR CAR OWNER IN BRITISH COLUMBIA, MANITOBA OR SASKATCHEWAN?
Add true collector protection your auto policy doesn't cover
Keep the mandatory coverage you already carry with ICBC, MPI or SGI. Add a Hagerty policy on top for Guaranteed Value™ and protection built for a car that gains value over time.
How it works alongside your government policy
Your provincial coverage stays exactly where it is.
1.
Keep your government policy
Your ICBC, MPI, or SGI coverage stays in place.
2.
Add a Hagerty collector policy
Quote in minutes without an appraisal,* and layer collector protection to cover the true value of your car.
3.
No surprise "market value" payout
Know what your car is worth at the time of a claim, plus specialized claims experts.
Why add Hagerty on top of your government policy?
A standard government policy treats your classic like a commuter. Here's what Hagerty adds for a collector vehicle.
Guaranteed Value™
You tell us your car's value and we agree on it up front, in writing, without an appraisal.* Does your existing standard government policy provide this peace of mind?
Expert claims team
You'll work with adjusters that specialize in collector vehicles, not everyday commuters. You also get your choice of repair shop - which a standard government policy may not offer.
Value that doesn't depreciate
Your agreed value stays put while your car appreciates. No annual depreciation working against a car that's going up in value.
Modified, Hot Rods, Resto-Mods and More Welcomed
Government collector programs often exclude modified cars, hot rods, and newer collectible vehicles. Hagerty covers many of the cars they turn away.
Get the right parts
Our specialized claims team and in-house parts specialists are trained to track down collector car components for repairs.
No approval queue to get covered
Quote online quickly. No 11-photo submission and 4-6 week review just to protect your car properly.
Collector plate or standard plate
You don't need a government collector plate to add Hagerty. Whether your car wears a collector plate or a standard one, you qualify for Hagerty's core coverage.
Collector plate + Hagerty
Keep your collector plate and add full Guaranteed Value™ protection on top.
New for 2026: Pick “collector plate” when quoting to unlock a 10% BC rate reduction.
Standard plate + Hagerty
No collector plate? Collector car owners that choose a standard plate + a Hagerty policy get core coverages and more freedom to use their vehicle.
Insurance built by drivers, for drivers
A government policy keeps you legal on the road. Hagerty keeps the car you love protected the way it deserves - with Guaranteed Value™, specialist claims handlers who understand collector vehicles, coverage that welcomes the builds and projects others turn away and optional coverages like Cherished Salvage®. Layer it on top of your provincial coverage and drive knowing your car is valued for what it truly is.
Common Questions
Yes. You keep your required mandatory government coverage. Hagerty is a separate, supplemental policy that covers Collision and Comprehensive damage, plus what a government policy doesn't: Guaranteed Value™, optional Cherished Salvage®, and the right parts for repairs. It adds protection on top of your government coverage rather than replacing it.
No - a collector plate is not required. New for 2026: pick “collector plate” when quoting to unlock a 10% BC rate reduction on your Hagerty policy. Without one you still qualify for all of Hagerty's core coverage - you just won't receive the collector-plate rate reduction.
Hagerty covers many vehicles the government collector program turns away, including:
- modified vehicles and resto-mods
- hot rods
- modern collectible vehicles
- cars mid-restoration
- cars with cosmetic imperfections
- vehicles you drive for more than the occasional car show
A licensed Hagerty specialist or broker can assess your specific vehicle.
We also work with brokers across British Columbia, Manitoba and Saskatchewan to help you place the right coverage. Find a broker.
Get coverage that works with your government policy
Quote now
Get a quote online quickly and easily.
Prefer to talk it through?
Call Hagerty Canada or find a broker in your province.
1-(877) 922-9701Find a broker near youNEVER STOP DRIVING. HAGERTY.CA
In British Columbia, Manitoba and Saskatchewan, basic vehicle coverage is provided by the provincial insurer (ICBC, MPI or SGI, respectively); Hagerty provides separate, supplemental collector-vehicle coverage and does not replace your government policy.
In the event of a covered total loss, your Guaranteed Value is paid less any deductible and salvage (if optional Cherished Salvage does not apply) and after any settlement with your government policy, and includes any applicable taxes unless prohibited by law.
The BC collector-plate rate reduction is effective May 27, 2026 for new policies and June 15, 2026 for renewals, subject to eligibility. Some coverage not available in all provinces.
*An appraisal is not required to obtain a quote; Hagerty may request an appraisal, photos or additional documentation for certain vehicles or values before coverage is bound. This is only a general description of coverage. All coverage is subject to policy provisions, exclusions and endorsements.
Policies are underwritten by Aviva Insurance Company of Canada. Hagerty determines final risk acceptance. Guaranteed Value, Cherished Salvage, Hagerty, Hagerty Drivers Club, and Hagerty Valuation Tools are registered or common law trademarks of The Hagerty Group, LLC. ©2026 The Hagerty Group, LLC. All Rights Reserved.