Better coverage

built for classics

at a price you can afford

Exotic Car Insurance

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Guaranteed Value

Determine the true value of your classic, then create an agreed policy for coverage

No Fixed Mileage

Helps pay up to a certain dollar amount for a rental car while yours is being repaired

Claims Handling

In-house adjusters are skilled in understanding the intricacies of classic car repair

Insure limited or special edition auto models including exotics, imports and special interest vehicles

Guaranteed Value

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 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.

No Fixed Mileage

Cars are made to be driven. Our policy allows you flexible usage – with no fixed mileage limits. You have the freedom of weekend cruising and more.

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.

Knowledgeable Service and Exceptional Claims Handling

All employees and claims adjusters receive classic car training. We’ll save you time because we know exactly what you’re describing when you talk to us about your car. (Yes, we answer the phone.) We know how to value and rate your classic from the start, recommending coverage specifically for how you use it.

Should you have a claim, our in-house adjusters are skilled in understanding the intricacies of classic car repair (no need to justify the price of your windshield to us – we get it).

We have connections that help quickly track down replacement LKQ, OEM, or NOS parts, if they’re available. And you can choose your own trusted repair shop – or we’ll pay you to do the work.

A regular car insurance carrier may not be able to source original parts from your car’s maker, instead using only aftermarket parts. They may also depreciate the vehicle’s value in the event of a claim, leaving you with a car that’s a shell of its former self.

Do You Qualify for Our Classic Car Insurance?

In order to qualify for our Guaranteed Value collector car insurance, you must meet the following requirements:

Usage

Our policy 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*:

  • Carports
  • Driveways
  • Parking garages
  • Car hauling trailers

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:

  • Alcohol-related offenses
  • Reckless driving
  • Excessive speed violations

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. Contact us for details).Applicants must also maintain regular-use insurance in their own names.

Do You Have Questions?

A list of frequently asked questions to help you understand how it works.

What is the difference between Agreed Value and Stated Value Insurance coverage?

An Agreed Value policy — the same as Hagerty’s Guaranteed Value™ policy –guarantees that you will receive the full insured amount of the vehicle (with no depreciation, and including all sales taxes), in the event of a covered total loss.

In contrast, a Stated Value policy (sometimes called “stated amount” or “maximum limit of liability”) does not promise to pay the full vehicle value that’s indicated or “stated” on the policy. With regard to a covered total loss, you may receive less than that stated amount, because the insurer has the right to pay either your vehicle’s depreciated actual cash value OR the cost to replace your vehicle — whichever is less. Also, many insurers that offer stated value policies (typically standard insurers) require periodic appraisals to affirm the insured amount, adding cost and inconvenience to the client.

How is classic car insurance different from regular car insurance?

Classic car insurance offers some key benefits compared to daily driver or “regular“ insurance.

  1. Lower Premiums
    We understand your car is a prized passion and will be driven with great caution, so we adjust the premiums accordingly — 39% 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.
  2. Guaranteed Value
    More commonly known as “Agreed Value” coverage, it 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 offer Actual 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.
  3. 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

What classic cars qualify for coverage?

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”), in addition to motorcycles and many different kinds of specialty vehicles. Qualification depends on usage, storage and driving record. For more information, view our Driver Eligibility page.