Daily driver insurance policies may rate your classic as if it`s a regular use vehicle, you will be charged as if you are driving the vehicle daily.
Guaranteed Value coverage
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. Period.
Regular car insurance carriers offer "actual cash value" or "stated value" coverage, which may depreciate your vehicle in the event of a claim, resulting in a smaller payout than you anticipate.
Qualifications for insurance
Usage
A policy through Hagerty allows you to use your collector vehicle for club functions, exhibitions, organized meets, tours and even occasional pleasure driving—it just can`t be your daily driver.
Storage
Though we prefer that collector vehicles are stored in an enclosed, secure structure when not in use, such as a private garage, pole barn or storage unit, we will consider other storage types, including:
Driver eligibility
In most states, we can only offer coverage to drivers who have not had a serious infraction within the last three years. Serious infractions include:
Regular-use vehicles
All household members with a valid driver`s license must have a regular-use vehicle for daily driving (Motorcycles and public transportation are not considered viable regular-use vehicles by our program in most cases.)
Applicants must also maintain regular-use insurance in their own names.
Types of vehicles we protect