Hagerty Car Insurance Canada Review 2025: Is It Worth It?
Our expert's review on Hagerty
From my analysis, Hagerty car insurance presents a highly specialized and compelling offer for a distinct segment of the Canadian market. The insurer provides unique plans for collector cars and high-value private collections, all centred on its Guaranteed Value™ coverage, which ensures policyholders receive a pre-agreed amount in the event of a total loss. Coverage ceilings are well-defined, offering up to $1,000 for spare parts, and deductibles are adaptable; a key prevention feature is the optional Evacuation Expense coverage for natural disasters.
Compared to standard insurers, Hagerty stands out as the definitive expert for enthusiasts, delivering superior, tailored protection for collectibles with premiums that can be up to 48% lower.
This insurance is therefore perfectly suited for owners of collector, classic, and high-value vehicles who require specialized coverage that acknowledges the unique nature of their cars.
While detailed financial reports are not provided, Hagerty's reliability is anchored in its expert-led claims process, with specialist adjusters providing knowledgeable service and typically making contact on the same day a claim is initiated.
- ✅Guaranteed Value™ (Agreed Value) coverage
- ✅Premiums up to 48% lower than standard
- ✅Specialist claims service for collectors
- ✅No deductible for glass repairs
- ✅Specific coverage for vehicles under restoration
- ✅Cherished Salvage® option after total loss
- ✅Automatic coverage for new acquisitions
- ❌Not for daily driver vehicles
- ❌No liability-only policies available
- ❌Strict vehicle and usage restrictions
- ❌Many vehicle types excluded (motorcycles, RVs)
- ❌Roadside assistance requires paid membership
Score- ✅Guaranteed Value™ (Agreed Value) coverage
- ✅Premiums up to 48% lower than standard
- ✅Specialist claims service for collectors
- ✅No deductible for glass repairs
- ✅Specific coverage for vehicles under restoration
- ✅Cherished Salvage® option after total loss
- ✅Automatic coverage for new acquisitions
Our expert's review on Hagerty
- ✅Guaranteed Value™ (Agreed Value) coverage
- ✅Premiums up to 48% lower than standard
- ✅Specialist claims service for collectors
- ✅No deductible for glass repairs
- ✅Specific coverage for vehicles under restoration
- ✅Cherished Salvage® option after total loss
- ✅Automatic coverage for new acquisitions
- ❌Not for daily driver vehicles
- ❌No liability-only policies available
- ❌Strict vehicle and usage restrictions
- ❌Many vehicle types excluded (motorcycles, RVs)
- ❌Roadside assistance requires paid membership
Score- ✅Guaranteed Value™ (Agreed Value) coverage
- ✅Premiums up to 48% lower than standard
- ✅Specialist claims service for collectors
- ✅No deductible for glass repairs
- ✅Specific coverage for vehicles under restoration
- ✅Cherished Salvage® option after total loss
- ✅Automatic coverage for new acquisitions
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Hagerty Car Insurance Guarantees
Hagerty specializes in collector and classic car insurance, which stands out in the Canadian market by always including both comprehensive and collision coverage based on Guaranteed Value™ (agreed value), meaning you receive the full insured amount with no depreciation in the event of total loss.
Restoration-specific modules, such as Vehicle Under Construction and Cherished Salvage®, are unique features that align with collector needs, offering additional coverages like tool protection and the right to retain salvage. Optional add-ons like evacuation expense and enthusiast-level roadside assistance provide further security, especially during natural disasters or club events, and spare parts coverage is automatic.
Main advantages compared to standard Canadian auto policies include lower premiums (up to 48% less), agreed value settlements, no deductible for glass repairs, and specialist claims service; Hagerty, however, is not suitable for daily drivers or vehicles with major modifications, and coverage often excludes racing or commercial use.
Private Client plans for high-value collections further enhance benefits with features like market appreciation coverage and overseas protection, positioning Hagerty as the reference insurer for serious collectors.
| Warranty name | Collector & Classic Car Insurance | Private Client Plan |
|---|---|---|
| Formula positioning | For classic/collector vehicles (main plan) | For high-value collections (by invitation) |
| Type of cover | Comprehensive & collision only; liability included | As main plan; plus market appreciation and global services |
| Reimbursement rate (% of damages covered) | 100% of Agreed Value™ (minus deductible, if any) | Up to 125% of insured value in total loss with appreciation |
| Annual reimbursement ceiling (maximum amount reimbursed per year) | No fixed ceiling—limited to agreed value | Higher ceiling with acquisition/market appreciation limits |
| Policy excess (per claim and/or annually) | Deductible options shown during quote; glass repairs no deductible | Deductible as per plan selection; glass repairs no deductible |
| Waiting period (before certain guarantees take effect) | None usually, N.C. if applies | None usually, N.C. if applies |
| Minimum/maximum age for subscription | N.C. | N.C. |
| Prior risk assessment (medical questionnaire, telematics, driving history) | Must have suitable driving record; no medical/telematics | N.C. |
| Payment facilities (monthly, quarterly, annual payments) | Annual and monthly payment possible | N.C. |
| Advance payment of claim-related costs | Repair shop paid directly or by reimbursement | Same as main plan |
| Compensation at purchase value/agreed value/replacement value | Agreed Value™ (purchase/declared/market value) | Agreed Value™ plus 125% appreciation where eligible |
| Third-party liability (bodily injury and property damage to others) | Included; mandatory limits per province | Included; higher limits available |
| Own vehicle damage (collision, regardless of fault) | ✅ Covered, up to agreed value | ✅ Covered, up to agreed value or higher |
| Theft of vehicle (partial or total) | ✅ Covered, up to agreed value | ✅ Covered, up to agreed value or higher |
| Fire (accidental or criminal) | ✅ Covered | ✅ Covered |
| Broken glass (windscreen, windows, sunroof) | ✅ No deductible for repairs | ✅ No deductible for repairs |
| Natural disasters (hail, flood, storm, etc.) | ✅ Covered; optional evacuation expense add-on | ✅ Covered, plus overseas event protection |
| Acts of vandalism | ✅ Covered | ✅ Covered |
| All-risks damage (accidents of any cause, including at-fault) | ✅ Covered, except exclusions (please see policy) | ✅ Covered, except exclusions (see policy) |
| Driver personal injury cover (death, disability, medical expenses) | N.C. | N.C. |
| Passenger injury cover | N.C. | N.C. |
| Vehicle accessories and modifications (including electric battery/cables) | Spare parts: $1,000; accessories: $500 for car covers | Enhanced for high-value plans (N.C. for full detail) |
| Personal belongings inside the vehicle (excluding cash and documents) | N.C. | N.C. |
| Replacement vehicle (during repairs or after total loss) | N.C. | N.C. |
| Towing and roadside assistance (including out-of-charge recovery for EVs) | Via optional Hagerty Drivers Club; towing included with covered claims | Premium service or Drivers Club available |
| Use abroad (compliance with minimum local cover; optional full cover) | Limited; overseas/temporary event cover for Private Client | Dedicated overseas coverage |
| Vehicle use for professional/business purposes (where applicable) | ❌ Not covered | ❌ Not covered |
| Driving other vehicles (third-party only or comprehensive, depending) | ❌ Not covered | N.C. |
| Trailer or caravan towing cover | ❌ Not covered on main policy, but in Drivers Club plans | N.C. |
*Agreed Value™ refers to the full amount insured, not current market or depreciated value. Glass repairs carry no deductible. All coverage is subject to limitations and exclusions as per contract. Private Client details may differ by arrangement.*
Good to know
Hagerty features a dedicated mobile app for managing quotes, policies, and claims, plus optional Hagerty Drivers Club membership offering premium roadside assistance, digital resources, exclusive events, and a global enthusiast community. Most collector vehicles do not require an appraisal, and you can usually select your own specialist repair shop.
Understanding Car Insurance Exclusions
Hagerty systematically excludes vehicles used for daily commuting, commercial operations, or any type of racing or timed competition, making this a notably stricter restriction than many Canadian standard insurers.
Exclusions also apply to highly modified vehicles—including those with roll cages, nitrous systems, or right-hand drive models under 25 years old—as well as motorcycles, RVs, dune buggies, and vehicles used for off-roading or utility purposes. No liability-only coverage is available; all policies must be comprehensive and collision, which is an unusual contract feature.
Damage during unauthorized uses, such as off-roading or racing, is always excluded, as are losses due to wear, deterioration, or unapproved technical modifications. Hagerty’s exclusion list reflects its focus on collector and classic vehicles, thus prioritizing vehicles used strictly for leisure and enthusiast purposes.
| Exclusions | Details |
|---|---|
| Exclusions related to vehicle use | No daily commuting or business useNo commercial, delivery, or utility useNo racing, timed events, autocross, road rallies, or off-roadingNo ride sharing or taxi use |
| Exclusions related to driver/status | No coverage for drivers under minimum licensing ageNo unlicensed, unauthorized, or excluded drivers |
| Technical exclusions | No liability-only policies; must include comprehensive and collisionNo coverage for mechanical breakdown, wear and tearNo highly modified vehiclesNo right-hand drive vehicles under 25 years oldNo vehicles with roll cages, nitrous, or above 700 hp |
| Vehicle type exclusions | No motorcycles, scooters, ATVs, RVs, motorhomes, dune buggies, campers, or commercial vehiclesNo vehicles used as lowriders |
| Geographical exclusions | Coverage for Canada and U.S. only unless otherwise specifiedSome coverage options not available in all provinces |
| Contractual exclusions | No coverage for losses outside contract terms or for unauthorized usesNo coverage for illegal activities or fraudulent claims |
| Other specific exclusions | No personal items unless permanently attached or specifically listedNo coverage for damage due to war, terrorism, or nuclear risks |
Hagerty car insurance cost
Hagerty positions itself as competitive within its niche, providing specialized, agreed-value coverages for collector vehicles at premiums that are often substantially lower than standard insurers due to the limited-use nature of covered cars.
Its policies are particularly attractive for car enthusiasts who prioritize full reimbursement (guaranteed value), flexible usage for pleasure driving, and a range of restoration and event coverages seldom matched by traditional insurers.
Deductibles are generally moderate, and while the digital quoting and management platform is user-friendly, service retains a hands-on and tailored approach rather than relying solely on digital automation.
The main gap is Hagerty’s focus: coverage is not available for daily drivers or broader vehicle categories, which means it is not suitable for those seeking coverage for regular use vehicles. For collector cars and specialty vehicles, few competitors match Hagerty’s combination of cost, service, and comprehensive tailored benefits.
| Hagerty Standard Collector | Hagerty Private Client | |
|---|---|---|
| Young driver (18-24 years old, compact vehicle) | $18/month | $30/month |
| Standard driver (35-45 years, intermediate vehicle) | $14/month | $24/month |
| Senior driver (60-70 years, city car) | $10/month | $18/month |
| Driver with an at-fault claim within 3 years | $24/month | $40/month |
| New SUV driver | $16/month | $28/month |
| Driver with more than 25,000km/year | ❌ Not eligible | ❌ Not eligible |
For the most accurate or cheapest rate, compare Hagerty to specialist and mainstream providers based on your vehicle type and usage.
Compare the best car insurance plans for free!Start comparingHagerty car insurance discount codes
| Promotional codes Hagerty | Details |
|---|---|
| HelloSafe promotional code | -5% on your quote |
Note: promotional codes are subject to change. For the latest promotional codes, go to our comparison of the best car insurance.
Reimbursement with Hagerty
| Claim or service | Average price (CA$) | Hagerty Classic Car Insurance (Agreed Value™, Comprehensive) |
|---|---|---|
| Replacement after theft (total loss) | $38,000 | Up to agreed value (minus deductible); out-of-pocket: deductible |
| Repair after at-fault accident | $7,500 | Up to agreed value (minus deductible); out-of-pocket: deductible |
| Windshield/glass repair | $450 | Up to $450, no deductible; out-of-pocket: $0 |
| Spare parts replacement | $1,200 | Up to $1,000 per claim (minus deductible if applicable); out-of-pocket: amount above $1,000 + deductible |
| Towing after covered loss | $350 | Up to reasonable costs, covered with claim (minus deductible if applicable); out-of-pocket: deductible |
Hagerty Car Insurance Assistance
Hagerty’s assistance for collector car policyholders is strongly centered around its optional Hagerty Drivers Club membership, which provides a comprehensive roadside assistance program including flatbed towing, wide service radius options, and specialist features such as soft straps and live tracking—distinct advantages for classic car owners.
However, the core insurance contract itself covers towing only if related to a covered loss, leaving everyday breakdowns uncovered unless Drivers Club is added.
Notably, there is no coverage for replacement vehicles, alternative transport, or accommodation, which may limit flexibility for owners facing longer repairs or incidents far from home.
Assistance for electric vehicles, legal help after an accident, and support for animals on board are not addressed, which represents a gap for diverse collector profiles.
The available assistance is best suited for specialized collector needs but does leave out several elements commonly included by mainstream insurers in standard or premium auto assistance packages.
| Support Hagerty | Availability | Details |
|---|---|---|
| 24/7 roadside breakdown assistance | ✅ | Available via Hagerty Drivers Club membership (optional). Flatbed towing, wide radius. Standard policy only covers towing if related to a covered loss. |
| Towing to repair facility / Extended towing | ✅ | Via Drivers Club: 30, 80, or 200 km radius options. Specialist towing for collector vehicles. Standard policy: only for covered incidents. |
| Assistance from home (0 km) | ✅ | Included with Hagerty Drivers Club. Breakdown assistance available at home. Not included in core policy. |
| Replacement vehicle | ❌ | N.C. |
| Alternative transport or accommodation | ❌ | N.C. |
| Vehicle repatriation | ❌ | N.C. |
| Assistance abroad | ❌ | N.C. |
| Assistance for electric vehicles | ❌ | N.C. |
| Battery assistance & fuel misfuelling | ✅ | Battery jumpstarts included with Drivers Club. No data on fuel misfuelling specific cover. |
| Legal assistance after an accident | ❌ | N.C. |
| Assistance for animals on board | ❌ | N.C. |
| Key recovery & lock replacement | ❌ | N.C. |
Flatbed towing, wide radius.
Standard policy only covers towing if related to a covered loss.
Specialist towing for collector vehicles.
Standard policy: only for covered incidents.
Breakdown assistance available at home.
Not included in core policy.
No data on fuel misfuelling specific cover.
Customer feedback on Hagerty car insurance
| Review site | Rating and number of reviews |
|---|---|
| Trustpilot | 4.7/5 based on 4,224 reviews |
Here are the pros and cons highlighted by Hagerty car insurance clients:
✅ The specialist claims support is highly praised by collector car owners for professionalism and understanding of vehicle value.
✅ The agreed value coverage gives policyholders peace of mind that their classic vehicles are properly protected.
✅ The premiums are consistently rated as competitive compared to standard insurers, especially for pleasure-use vehicles.
✅ The flexibility to choose any repair shop is appreciated, as is the speed of claims handling in most cases.
❌ There are occasional frustrations about the policy restrictions excluding daily drivers and certain modified vehicles.
❌ Some reviewers noted delays or additional documentation requests during the claims process.
❌ There is a perception that policy terms and restoration coverage modules can be complex and require careful reading for full understanding.
How to contact Hagerty
| Customer service Hagerty | Contact information |
|---|---|
| To obtain a quote or take out a policy online | You can use the HelloSafe car insurance comparison tool, choose the option that suits you best and click to obtain a quote. |
| To report a claim | Phone: 877-922-9701 ext. 5 Email: claims@hagerty.com |
| To request and track a refund | Phone: 888-348-9369 Email: auto@hagerty.ca Mail: Hagerty Canada, 100 Overland Drive, Suite 300, North York, ON M3C 2C6 |
| To obtain an insurance certificate | Phone: 888-348-9369 Email: auto@hagerty.ca Mail: Hagerty Canada, 100 Overland Drive, Suite 300, North York, ON M3C 2C6 |
| To contact assistance | For roadside assistance (Drivers Club): Phone: 888-310-8020 Email: driversclub@hagerty.com General inquiries: Phone: 888-348-9369 Email: auto@hagerty.ca |
| To cancel my contract | Contact customer service by phone at 888-348-9369 or email auto@hagerty.ca. Provide written cancellation request including your policy number, full name, and effective date. No specific notice period is mentioned in public materials. |
Email: claims@hagerty.com
Email: auto@hagerty.ca
Mail: Hagerty Canada, 100 Overland Drive, Suite 300, North York, ON M3C 2C6
Email: auto@hagerty.ca
Mail: Hagerty Canada, 100 Overland Drive, Suite 300, North York, ON M3C 2C6
Email: driversclub@hagerty.com
General inquiries: Phone: 888-348-9369
Email: auto@hagerty.ca
Provide written cancellation request including your policy number, full name, and effective date.
No specific notice period is mentioned in public materials.
FAQ
Do I have to pay in advance for repairs or assistance with Hagerty?
Hagerty typically works with a direct payment system for repairs after covered losses, meaning payments are made by the insurer directly to the partner garage or repair specialist. However, the claims adjuster will discuss arrangements and approve the repair before work begins. For towing related to a covered loss, Hagerty can also pay the partner provider directly. If you use Hagerty Drivers Club for roadside assistance, coverage is applied and you generally do not pay out of pocket within the plan limits. Always confirm payment logistics with the claims representative in advance.
How do I cancel my car insurance contract with Hagerty?
To cancel your car insurance contract with Hagerty, contact their customer service by phone or email, provide your policy number and written request, and respect a typical notice period of 30 days. You may be required to sign a short cancellation form or submit a written request with your signature. The process can be started by calling 888-348-9369 or emailing auto@hagerty.ca. Refunds for unused premiums are issued after the cancellation is processed and any necessary documentation is received.
Does Hagerty cover my vehicle if I use it for daily commuting?
No, Hagerty insurance is specifically designed for collector and classic vehicles and does not cover vehicles used for daily commuting, business, or commercial purposes. Coverage applies only to reasonable pleasure use such as shows, parades, club activities, and occasional leisure driving. If you need insurance for a primary-use or daily driver vehicle, Hagerty is not the right provider.
What happens to my policy if I buy a new collector car?
Hagerty offers automatic new ride coverage for up to 30 days on a newly acquired collector car, covering it up to $50,000 while you update your policy. You should notify Hagerty of the new vehicle as soon as possible to ensure continuous coverage at the right value. After 30 days, the car must be formally added to your policy.
Is roadside assistance included with Hagerty car insurance?
Roadside assistance is available through the optional Hagerty Drivers Club, which provides emergency services such as flatbed towing, battery boosts, lockout service, fuel delivery, and more. The distance limits and benefits depend on the level of Drivers Club membership you choose. This coverage is separate from your standard insurance policy and may require enrollment and an annual fee. In an insured claim incident, towing can be covered directly through the claims process.
Do I have to pay in advance for repairs or assistance with Hagerty?
Hagerty typically works with a direct payment system for repairs after covered losses, meaning payments are made by the insurer directly to the partner garage or repair specialist. However, the claims adjuster will discuss arrangements and approve the repair before work begins. For towing related to a covered loss, Hagerty can also pay the partner provider directly. If you use Hagerty Drivers Club for roadside assistance, coverage is applied and you generally do not pay out of pocket within the plan limits. Always confirm payment logistics with the claims representative in advance.
How do I cancel my car insurance contract with Hagerty?
To cancel your car insurance contract with Hagerty, contact their customer service by phone or email, provide your policy number and written request, and respect a typical notice period of 30 days. You may be required to sign a short cancellation form or submit a written request with your signature. The process can be started by calling 888-348-9369 or emailing auto@hagerty.ca. Refunds for unused premiums are issued after the cancellation is processed and any necessary documentation is received.
Does Hagerty cover my vehicle if I use it for daily commuting?
No, Hagerty insurance is specifically designed for collector and classic vehicles and does not cover vehicles used for daily commuting, business, or commercial purposes. Coverage applies only to reasonable pleasure use such as shows, parades, club activities, and occasional leisure driving. If you need insurance for a primary-use or daily driver vehicle, Hagerty is not the right provider.
What happens to my policy if I buy a new collector car?
Hagerty offers automatic new ride coverage for up to 30 days on a newly acquired collector car, covering it up to $50,000 while you update your policy. You should notify Hagerty of the new vehicle as soon as possible to ensure continuous coverage at the right value. After 30 days, the car must be formally added to your policy.
Is roadside assistance included with Hagerty car insurance?
Roadside assistance is available through the optional Hagerty Drivers Club, which provides emergency services such as flatbed towing, battery boosts, lockout service, fuel delivery, and more. The distance limits and benefits depend on the level of Drivers Club membership you choose. This coverage is separate from your standard insurance policy and may require enrollment and an annual fee. In an insured claim incident, towing can be covered directly through the claims process.
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