Hagerty
Carrier website links, underwriting access points, mapped product lines, and appetite notes in one place.
This appetite summary is only a guide. Confirm eligibility, submission requirements, restrictions, and binding authority directly with the carrier or underwriter before relying on it.
Carrier appetite summary
Preferred business: - Purpose-built collector risks: antique and classic vehicles, limited-production/exotic/special-interest vehicles (including many 1980+ collectors), street rods/replicas/low riders/tuners, vintage motorcycles and scooters, trailers and vintage camper trailers, retired commercial units (fire trucks, military vehicles, tractors and other commercial vehicles), select motorsports/pro‑street, vehicles under restoration, and collector trucks/utility vehicles. - Usage must be strictly non‑daily: pleasure use, hobby use, shows, tours, and club events. Hagerty explicitly "encourages limited pleasure use" with no fixed mileage cap, but vehicles cannot function as primary transportation. - Storage must be secure and enclosed (e.g., locked garage or equivalent facility). Open/driveway or carport storage generally does not meet guidelines. - Insureds must carry a separate Personal Auto Policy or Business Auto Policy covering regular-use vehicles, with at least one regular-use vehicle per licensed household driver. - Drivers must have a good driving record; major violations, recent at‑fault accidents, or multiple infractions will be refer/decline. - Minimum vehicle value typically $3,500, with some variation by vehicle type; higher expectations for exotics and newer collectibles. - Policies are written on a Guaranteed Value (agreed value) basis rather than ACV or stated amount, with low collector rates, flexible deductible options, and broad classic‑focused coverages. Restricted or declined classes: - Daily-use vehicles or any vehicle used for commuting, routine business errands, delivery, or other primary transportation. - Vehicles used for any commercial purpose (including business use of a otherwise collectible car), vehicles used for camping/off‑road or utility-type driving, and routine work trucks. - Motorcycles with performance modifications, any vehicle with nitrous components, dune buggies, and many purpose‑built high‑performance race vehicles. Motorsports/pro‑street and any raced vehicles are mentioned as a vehicle category but in practice are tightly underwritten and often restricted to non-track/show-only usage. - Risks without enclosed, secure storage; households without a supporting standard auto policy; drivers with poor MVRs; and very low‑value units below Hagerty’s minimums by class. Geographic notes: - Materials are written for U.S. agents and direct to Hagerty’s Traverse City, MI service center, reflecting a national U.S. program. State availability, specific age/value rules, and class exceptions vary and must be confirmed in the agent portal. Submission requirements & process: - Agents are directed to use the Hagerty Agent Business Center (hagertyagent.com) for quoting and submissions; agencies can sign up and usually be approved within one business day, and can quote while approval is pending. - No formal appraisals are required in most cases; agents should submit photos and valuation details as requested by the portal or underwriting. Hagerty emphasizes its internal valuation tools and Guaranteed Value methodology. - Standard expectations include: confirming separate regular-use auto coverage in place for all drivers, documenting secure enclosed storage location, desired agreed value, usage patterns, and any modifications. - Coverage options include liability, physical damage, comprehensive, storage-only, and transportation coverage; deductibles vary by vehicle type/value. Broker/producer notes: - No production requirements to access the program; Hagerty markets this as an easy, low-friction collector offering for personal-lines agencies. - Agent toolkit includes marketing collateral, training, and valuation tools to help identify collector opportunities and close business. - Agents are instructed to refer to detailed underwriting guidelines and class/value minimums within the hagertyagent.com portal for final eligibility, and to contact underwriting where risks fall outside standard criteria (e.g., unusual modifications, mixed usage, or non‑standard storage).