Hagerty Insurance
Thread Starter
Burning Brakes
Joined: Oct 2013
Posts: 992
Likes: 28
From: Sutton MA
Hagerty Insurance
Met with a new customer today who has an Allstate office, we talked business then chatted a bit about cars, he suggested I switch from our current carrier to Hagerty, Said a lot of great things about them.
So I just want to run it by you guys here and see the pros and cons of Hagetry Insurance.
I can say our vette is driven purely for pleasure and is not a daily driver.
Thanks in advance for any input.
So I just want to run it by you guys here and see the pros and cons of Hagetry Insurance.
I can say our vette is driven purely for pleasure and is not a daily driver.
Thanks in advance for any input.
Le Mans Master
Joined: Mar 2001
Posts: 5,738
Likes: 644
From: Lincoln, CA
Melting Slicks
Joined: Feb 2007
Posts: 2,136
Likes: 62
From: West Kingston RI
I use American Modern Insurance Group and am very happy but have never had a claim. A friend has his 68 Camaro with Hagerty and he had a claim last year and was very satisfied with how Hagerty handled the claim. 
Melting Slicks
Joined: Oct 2011
Posts: 3,453
Likes: 67
From: Midland Ontario
NCM Sinkhole Donor
Been with them a while now since they took over Silver Wheels, their rates increased last year for the first time in about 5 years. No claim history to report, but I've heard good reports from guys here on the forum. $20,000 agreed value, premium of $223/year, allowed 10,000km/year, which is lots or me.
Thread Starter
Burning Brakes
Joined: Oct 2013
Posts: 992
Likes: 28
From: Sutton MA
I guess it was the part where you can't drive it to work that often like maybe twice in a certain amount of time. I live 7 minutes from my work and I like to drive to work frequently. I didn't see anything like that on Hagerty website.
Here is what the. Corvette museum said that feels too restrictive to me.
Collector Vehicles will be considered ineligible for the program if they are used solely for errands and/or shopping, driving to or from work or school, business/commercial usage, or other similar actions. While commuting to or from work is normally a non-covered usage, an optional coverage is available that allows the car to be driven to and from work up to twice a week. The vehicle must be stored in a locked garage facility when not in use.
If I drive our vette to see a customer, that would be considered commercial use. And our storage for the car is not lockable.
Here is what the. Corvette museum said that feels too restrictive to me.
Collector Vehicles will be considered ineligible for the program if they are used solely for errands and/or shopping, driving to or from work or school, business/commercial usage, or other similar actions. While commuting to or from work is normally a non-covered usage, an optional coverage is available that allows the car to be driven to and from work up to twice a week. The vehicle must be stored in a locked garage facility when not in use.
If I drive our vette to see a customer, that would be considered commercial use. And our storage for the car is not lockable.
Last edited by Tooonz; Feb 12, 2015 at 08:17 PM.
Melting Slicks
Joined: Nov 2005
Posts: 2,839
Likes: 19
From: Folsom CA
I have Hagerty for the race car and the trailer. I like the fact that we could get an agreed value on both, rather than having to get the race car appraised for Farmers Insurance, who has our home and street cars.
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Racer
Joined: Nov 2011
Posts: 374
Likes: 21
From: Charleston SC
Two tows (I since got AAA to spread the wealth and AAA covers all my cars) and a $5,000 claim in three years. Great to do business with. No rate increase. Would recommend highly. Have a great day, Bill
P.S. Just to clarify, I use AAA only for the towing option. They cover any car I'm in or driving.
P.S. Just to clarify, I use AAA only for the towing option. They cover any car I'm in or driving.
Last edited by Billem; Feb 14, 2015 at 05:27 PM. Reason: Clarification
Team Owner
Joined: Aug 1999
Posts: 30,995
Likes: 99
From: Ontario
I don't have any problem with them. You do need a grocery-getter (daily driver). And they have a nice road-side assistance option (within 80km/50miles) for a reasonable cost. And of course they provide "agreed value" protection. As for mileage limits, they do not have any really. They know very well these cars are not driven daily and in the case of Canada for only about five months each year. Heck, the windchill tonight will be -30*F. I don't think the Corvette will be on the road.
Thread Starter
Burning Brakes
Joined: Oct 2013
Posts: 992
Likes: 28
From: Sutton MA
I should clarify I find the corvette museum too restrictive for my usage. I'm sure its fine for lots of people. We are paying more than 600. A year with our current insurer. I did a quick quote on Hagerty for 324.
Race Director
Joined: Jan 2007
Posts: 14,936
Likes: 3,344
From: NYC NY
You can do better price wise than Hagerty. I have had them for years for my '55 Nonad (not stock) as well some of my friends. They are not the cheapest game in town but they do pay. You need to talk to people that have put in claims. In the end that's when you find out how good your insurance is. That's why I added my Corvette to the policy.
Last edited by 3JsVette; Feb 12, 2015 at 11:52 PM.
Burning Brakes
Joined: Oct 2013
Posts: 1,216
Likes: 66
From: Killeen Texas
Every Insurance company required the vehicle be stored inside. Not sure if they asked if it was locked but they would likely figure it would be lockable. I'm lucky to put 500 miles on each of the cars covered. so I do not drive them much. My 37 gets driven the most, once a week to the Friday night show and shine.
Race Director
Joined: Sep 1999
Posts: 11,360
Likes: 382
From: Plano TX
I suggest you ask Hagerty directly about that. When I was insurance shopping Hagerty was very clear on that I could not drive the car to work ever. I also must drive straight to and from car shows. If I stopped at the grocery store on the way home I was not covered.
Thread Starter
Burning Brakes
Joined: Oct 2013
Posts: 992
Likes: 28
From: Sutton MA
Well I took Zwede's advice and called Hagerty, yup they are too restrictive as well. Has to be a locked structure ( I'm not building a garage at this time ) and can't take it work more than a couple times a month.
Screw that ****!
Thanks anyways guys!
Screw that ****!
Thanks anyways guys!
Melting Slicks
Joined: Jun 2005
Posts: 2,293
Likes: 6
From: North of the Bay California
btw, I had a claim with Hagerty and I will continue to carry their insurance.
