Text UsCLASSIC & COLLECTOR CAR INSURANCE
Your classic is more than its age, mileage, or ordinary book value. Protect it based on what it is truly worth.
BOOK VALUE ISN’T COLLECTOR VALUE
A classic vehicle’s ordinary market or book value may not reflect its actual collector value. An older vehicle might be valued at only $2,000 based primarily on age, while its condition, rarity, restoration, and collector demand could make it worth $60,000 or more.
A standard auto policy may settle a covered loss using Actual Cash Value, depreciation, or ordinary vehicle comparisons. This could leave a significant gap between the settlement and what the owner believes the vehicle is truly worth.
Classic-car insurance is designed differently. It recognizes that these vehicles are usually driven less, maintained more carefully, stored securely, and valued for much more than transportation.
“Don’t insure your classic based only on its age. Insure the value you have built, restored, preserved, and protected.”
SPECIALIZED PROTECTION
Hagerty and the customer agree on the vehicle’s value before the policy begins. If there is a covered total loss, the customer receives the agreed Guaranteed Value®, less any applicable deductible, subject to policy terms and conditions.
No depreciation and no surprises about the vehicle’s insured value.Eligible policyholders receive access to experienced claims professionals and parts specialists familiar with classic-vehicle repairs, restoration, specialty parts, and collector automobiles.
Customers may have flexibility to choose a preferred repair shop or, when permitted, complete repairs themselves.Except for regular daily use, eligible vehicles may be enjoyed for pleasure driving, car shows, club events, exhibitions, parades, weekend drives, and other approved collector-car activities.
Coverage and usage are subject to eligibility and underwriting requirements.COMPARE THE DIFFERENCE
ELIGIBLE VEHICLES
Eligibility varies by vehicle, driver, storage, mileage, use, and underwriting requirements.
PREPARE FOR YOUR QUOTE
The customer must generally maintain a separate personal auto policy for regular-use vehicles.
Eligibility, storage, driver, vehicle, mileage, and documentation requirements may vary. Submission of an application does not guarantee acceptance or coverage.
HAGERTY RESOURCE
Explore Hagerty’s classic and collector car insurance resource for more information about specialized programs.
STREET SMART INSURANCE SOLUTIONS INC.
PROTECT WHAT MAKES IT SPECIAL
Whether you restored it, inherited it, collected it, or simply love driving it, we can help you explore insurance designed around your classic vehicle’s agreed value and unique use.
Insurance coverage is subject to eligibility, underwriting approval, availability, policy terms, conditions, deductibles, limitations, and exclusions. Guaranteed Value®, Cherished Salvage®, and other Hagerty programs and trademarks belong to their respective owners. Examples comparing book value and collector value are illustrative only and do not represent a guaranteed vehicle valuation or claim payment. Street Smart Insurance Solutions Inc. is an independent insurance brokerage.