Hagerty does has milage limit!
Thread Starter
Drifting
Joined: May 2004
Posts: 1,442
Likes: 2
From: Flanders NJ
Hagerty does has milage limit!
I just sent in an application to Hagerty since people on here say they have no milage limits and I use my car around 6-7K a year. Well they called me and said they will not insure my Vette if I go over 3500 miles a year. So they may not be making it very obvious, but there is a limit. So those that think they have no limits, maybe should double check. This was for NJ, maybe it's different for each state? I guess I have to keep paying thru the nose. 
Melting Slicks
Joined: Oct 2000
Posts: 3,023
Likes: 2
From: TEXASTEXASTEXASTEXAS TEXASTEXASTEXASTEXAS
St. Jude Contributor
You're right, I think they're not up front about that, which bothers me a bit, esp. since otherwise they seem to be pretty user friendly. When I applied, I was told (when I asked about milage limits) that they would be unlikely to approve me if I told them I drove over 3K miles a year. So their milage limit is kind of back door--they don't have a limit, per se, but they won't approve you if you tell them you're going to drive more than they want you to.
JB
JB
Race Director
Joined: Sep 2002
Posts: 10,362
Likes: 5
From: San Diego - Deep Within The State of CONFUSION!
Originally Posted by mooneyd
I just sent in an application to Hagerty since people on here say they have no milage limits and I use my car around 6-7K a year. Well they called me and said they will not insure my Vette if I go over 3500 miles a year. So they may not be making it very obvious, but there is a limit. So those that think they have no limits, maybe should double check. This was for NJ, maybe it's different for each state? I guess I have to keep paying thru the nose.
On the information declaration it says under odometer reading: "CURRENT MILEAGE ___________ (1981 VEHICLES AND NEWER)"
Corvette Stories
The Best of Corvette for Corvette Enthusiasts
Top 10 Most Expensive Corvettes Ever Sold on Bring A Trailer
Brett Foote
10 Things Every Corvette Owner Needs (2026 Edition)
Michael S. Palmer
8 Most "Only Corvette Owners Understand" Quirks and Problems
Pouria Savadkouei
10 Reasons the C6 Z06 is Still A Performance Benchmark After 20 Years
Joe Kucinski
How Much Horsepower Every Corvette Engine "LOST" in 1972
Joe Kucinski
Top 10 DOs and DON'Ts for Protecting Your Convertible Top!
Michael S. Palmer
Top 10 Most Explosive Corvettes Ever Made: Power-to-Weight Ratio Ranked!
Joe Kucinski
150 hp to 1,250 hp: Every Corvette Generation Compared by the Specs That Matter
Joe Kucinski
8 Coolest Corvette Pace Cars (and Replicas) of All Time
Verdad Gallardo
Thread Starter
Drifting
Joined: May 2004
Posts: 1,442
Likes: 2
From: Flanders NJ
The application asked how many miles for "club activity", "shows", and for "leisure". Mine was 6k total and they said they would not go for more than 3500 miles. He said that the milage would depreciate the value of the car and then the coverage would be above the cars value.
Maybe this is only for later models???
Maybe this is only for later models???
Melting Slicks
Joined: Oct 2002
Posts: 3,255
Likes: 0
From: Manalapan FL
They told me 5k per year right from the get-go for my '74 and they asked for the mileage. And that is limited to special events, to/from the repair shop and "occasional pleasure driving". I guess they figure if you're putting on more than 5k per year, you're driving to more than the allowed places.
D. Ocean
Miami, FLA
D. Ocean
Miami, FLA
Team Owner
Joined: Jul 1999
Posts: 26,545
Likes: 46
From: Huntersville NC
It may be difficult for the average corvette owner to understand, but maybe there is a difference between having a mileage limit written into the policy (let's say they don't) and writing a policy on a car that is regularly driven more than 3500 miles per year. If you tell them you drive it 10k miles per year they won't insure you, but once they insure you there is no hard mileage limit. Whacked?
Le Mans Master
Joined: Apr 2001
Posts: 5,000
Likes: 1
From: Minneapolis, Mn USA
Originally Posted by Scooter70
I have Hagerty and no odometer!!! 
Never been asked about mileage since the policy set-up. Each renewal is almost automatic without reference to mileage.
B....
Team Owner
Joined: Jul 2001
Posts: 182,997
Likes: 88
From: Lakeland, FL
Cruise-In IV-V-VI-VII-VIII Veteran
St. Jude Donor '03, '06, '17
I don't know how they would know how many miles you actually drive the car... For example - in Florida - mileage on 20+ year old cars shows up as "EXEMPT" and doesn't have to be reported.. There's no way for them to know how many miles you actually drove.. They didn't ask me how many miles were on my car when I got insurance with them...
Team Owner
Joined: Jul 1999
Posts: 26,545
Likes: 46
From: Huntersville NC
Originally Posted by GrandSportC3
I don't know how they would know how many miles you actually drive the car... For example - in Florida - mileage on 20+ year old cars shows up as "EXEMPT" and doesn't have to be reported.. There's no way for them to know how many miles you actually drove.. They didn't ask me how many miles were on my car when I got insurance with them...
Pro
Joined: Aug 2004
Posts: 728
Likes: 1
From: Patchogue New York
they asked me the following: How much I wanted it insured for ($10,000), do I keep it in a locked garage (yes, but the garage is not built yet), how many mile I planned on driving(3000), how many shows will I be going to, they wanted pictures and milage. My price is $138.00 per year.
Le Mans Master
Joined: Oct 2004
Posts: 5,269
Likes: 54
From: Orlando Florida
St. Jude Donor '05
Originally Posted by RedBad1979
I just applied today - they quoted $218 annually for my '79. I think I can tell you in a few days how good they are...
Today I was told that my policy is on it's way (by mail)... they are providing insurance for $215/year with an agreed value of $10000. They have to match the limits of your regular car insurance (liability and uninsured motorists) Seems to be a great insurance provider.
Team Owner
Joined: Jul 2001
Posts: 182,997
Likes: 88
From: Lakeland, FL
Cruise-In IV-V-VI-VII-VIII Veteran
St. Jude Donor '03, '06, '17
Originally Posted by PRND21
I had a policy that asked for my odometer reading every year when I renewed the policy.