it seems very restrictive, even if I have a daily driver so if something happens they will have many excuses to deny the claim.
Usage and Kilometres
Our program policy allows the collector vehicle to be used for club functions, exhibitions, organized meets, tours and leisure use, including occasional pleasure driving — it just can't be a daily driver. Usage of 8,000 kilometres or less is generally consistent with operating vehicles that have collectible value.
Usage and kilometres requirements may differ based on the vehicle that is being insured, such as collector trucks or vehicles that are 1980 and newer. Please review specific vehicle guidelines for this information.
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, car condo or storage unit — we will consider other storage types, including*:
- Carports
- Driveways
- Parking garages
- Car hauling trailers
- Driver Eligibility
- Applicants and household drivers must have 10 or more years of driving experience.
- All household driving records and prior claims are subject to underwriter review.
- Vehicles That May Not Qualify
Because we provide low-cost, agreed value coverage, we are not able to provide coverage for certain vehicles due to how they are used and the increased risk associated. Examples of vehicles not eligible include:
- Daily-use vehicles
- High performance vehicles with a top speed of 300 kph and the operator(s) does not have experience driving a similar vehicle for at least three years or has less than 25 years driving experience in Canada or the United States
- Vehicles with 700 hp or greater (manufactured or modified)
Please Note: Hagerty differs from standard insurance in that we don't have a price for every type of risk. We determine eligibility based upon the accumulation of all risk characteristics related to our program guidelines.
Daily Use Vehicles
- All household members with a valid driver’s licence must have a vehicle to drive on a daily basis
- It is preferable that the daily use vehicle is reliable
- Motorcycles and public transportation are not considered viable daily use vehicles by our program
- Applicants must also maintain daily use insurance in their own names
