Hagerty Insurance Canada Review 2025: Pros, Cons & Verdict
Our expert's review on Hagerty
Hagerty car insurance establishes itself as a unique, highly specialized provider in the Canadian market, focusing exclusively on collector vehicles. Its offering is built around a single, robust formula centered on Guaranteed Value™ (agreed value) coverage, ensuring policyholders receive the full insured amount in a total loss. Reimbursement ceilings are well-defined, with up to $50,000 for new acquisitions and $1,000 for spare parts, paired with flexible deductibles and no deductible for glass repairs; a traditional prevention budget is not offered.
Compared to standard insurers, Hagerty provides a distinct value proposition with premiums up to 48% lower, making it a leader in its niche due to its superior agreed value model.
Hagerty insurance is specifically tailored for enthusiasts and owners of classic, collector, or high-value vehicles who prioritize asset protection over low-cost, basic coverage.
As a specialized entity, detailed financial data like turnover is not provided, but it operates with dedicated claims adjusters from Aviva for expert handling; Trustpilot ratings are not available, and while a specific reimbursement timeframe is not stated, initial claims contact is guaranteed for the same day.
- ✅Guaranteed Value™ (agreed value) coverage
- ✅Premiums up to 48% lower than standard insurers
- ✅Specialist claims service with choice of repair shop
- ✅No deductible for most glass repairs
- ✅Specific coverage for vehicles under restoration
- ✅Automatic coverage for new vehicle purchases
- ✅Flexible pleasure-use driving allowance
- ❌Strictly for collector cars, not daily drivers
- ❌Numerous vehicle and usage eligibility restrictions
- ❌Liability-only policies are unavailable
- ❌Roadside assistance requires separate paid membership
- ❌No coverage for motorcycles, RVs, or modern tuners
Score- ✅Guaranteed Value™ (agreed value) coverage
- ✅Premiums up to 48% lower than standard insurers
- ✅Specialist claims service with choice of repair shop
- ✅No deductible for most glass repairs
- ✅Specific coverage for vehicles under restoration
- ✅Automatic coverage for new vehicle purchases
- ✅Flexible pleasure-use driving allowance
Our expert's review on Hagerty
- ✅Guaranteed Value™ (agreed value) coverage
- ✅Premiums up to 48% lower than standard insurers
- ✅Specialist claims service with choice of repair shop
- ✅No deductible for most glass repairs
- ✅Specific coverage for vehicles under restoration
- ✅Automatic coverage for new vehicle purchases
- ✅Flexible pleasure-use driving allowance
- ❌Strictly for collector cars, not daily drivers
- ❌Numerous vehicle and usage eligibility restrictions
- ❌Liability-only policies are unavailable
- ❌Roadside assistance requires separate paid membership
- ❌No coverage for motorcycles, RVs, or modern tuners
Score- ✅Guaranteed Value™ (agreed value) coverage
- ✅Premiums up to 48% lower than standard insurers
- ✅Specialist claims service with choice of repair shop
- ✅No deductible for most glass repairs
- ✅Specific coverage for vehicles under restoration
- ✅Automatic coverage for new vehicle purchases
- ✅Flexible pleasure-use driving allowance
Compared to standard insurers, Hagerty provides a distinct value proposition with premiums up to 48% lower, making it a leader in its niche due to its superior agreed value model.
Hagerty insurance is specifically tailored for enthusiasts and owners of classic, collector, or high-value vehicles who prioritize asset protection over low-cost, basic coverage.
As a specialized entity, detailed financial data like turnover is not provided, but it operates with dedicated claims adjusters from Aviva for expert handling; Trustpilot ratings are not available, and while a specific reimbursement timeframe is not stated, initial claims contact is guaranteed for the same day.
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Every year at HelloSafe, our Hagerty expert analyses the general terms and conditions and rates of insurance contracts on the market to provide you with a reliable and impartial analysis. Over a million users now trust us every month to help them with their most important financial decisions.
The Hagerty Car Insurance Guarantees
Hagerty offers specialized collector car insurance in Canada with plans focusing exclusively on classic, vintage, and limited-use vehicles, not daily drivers or commercial vehicles. Each policy features Guaranteed Value™ (agreed value) coverage with comprehensive and collision always included, offering payout of the full insured value in case of total loss, minus any deductible. Optional modules allow customers to enhance protection, such as coverage for vehicles under restoration, Cherished Salvage® (retaining salvage after a total loss), and evacuation expenses for natural disasters, which are tailored to the collector’s needs. The contract provides distinct advantages over standard market policies—like no liability-only option, automatic coverage for new purchases, spare parts, flexible usage, and access to specialized claims handlers—though it excludes most modern, modified, or daily use vehicles and requires vehicles to meet strict collector criteria. Limitations include strict eligibility based on type and use, some optional coverages requiring small annual fees, and no published information on certain ancillary benefits (replacement vehicle, personal belongings) compared to mainstream auto providers.
| Warranty name | Hagerty collector car insurance |
|---|---|
| Formula positioning | Collector and specialty vehicles only, not daily drivers |
| Type of cover | Comprehensive and collision always included; no liability-only option |
| Reimbursement rate (% of damages covered) | Up to 100% of agreed value, minus deductible if applicable |
| Annual reimbursement ceiling (maximum per year) | No set ceiling, pays full agreed value per incident |
| Policy excess (per claim and/or annually) | Deductible chosen at purchase; amount varies (N.C.) |
| Waiting period (before guarantees effective) | N.C. |
| Minimum/maximum age for subscription | N.C. |
| Prior risk assessment (medical/driving history) | Review of driver and vehicle usage, collector standard vehicle only |
| Payment facilities | Annual premium; online payments and account management available |
| Advance payment of claim-related costs | N.C. |
| Compensation at purchase/agreed/replacement value | Agreed value (Guaranteed Value™) always paid after total loss |
| Third-party liability (bodily/property damage) | ✅ Included as required by law, limits and details N.C. |
| Own vehicle damage (collision, any fault) | ✅ Covered, always included; pays agreed value on total loss |
| Theft of vehicle (partial or total) | ✅ Covered, pays up to full agreed value minus deductible |
| Fire (accidental or criminal) | ✅ Covered |
| Broken glass (windscreen, windows, sunroof) | ✅ Covered, no deductible for glass repairs |
| Natural disasters (hail, flood, storm, etc.) | ✅ Covered; optional evacuation expense module reimburses costs |
| Acts of vandalism | ✅ Covered |
| All-risks damage | ✅ Covered, excludes racing or commercial use |
| Driver personal injury cover | N.C. |
| Passenger injury cover | N.C. |
| Criminal defence and recourse | N.C. |
| Extended legal protection | N.C. |
| Vehicle accessories and modifications | Spare parts: $1,000, car covers: $500 included |
| Personal belongings inside vehicle | N.C. |
| Child equipment (seats, pushchairs) | N.C. |
| Replacement vehicle (repairs/total loss) | N.C. |
| Towing and roadside assistance | Covered if related to loss; unlimited with Drivers Club (optional) |
| Use abroad | Covered for events, details N.C.; special overseas coverage via Private Client plan |
| Vehicle use for business/professional purposes | ❌ Not covered |
| Driving other vehicles | ❌ Not covered |
| Trailer or caravan towing cover | Included for covered vehicles; coverage for trailers may require add-on |
Hagerty's Collector Car Insurance Features
Hagerty offers an online quote system, digital policy management, and a collector-focused claims process with access to specialist adjusters and repair shops. Optional Hagerty Drivers Club membership provides extensive roadside assistance, including flatbed towing, family coverage, and exclusive event access. New collector vehicles are insured automatically (up to $50,000 or $1 million for Private Client), and tools, spare parts, and car covers are covered under core policies. Physical appraisals are rarely required, making onboarding streamlined for most classic car owners.
{{hellopage_topice}} car insurance exclusions
Hagerty systematically excludes all coverage for vehicles used for daily commuting, ridesharing, commercial activity, or racing of any kind, even in untimed events.
Major technical modifications—such as roll cages, nitrous, or exceeding 700 horsepower—also preclude coverage, making Hagerty’s acceptance stricter than most standard classic car insurers.
Vehicles like motorcycles, RVs, right-hand drive vehicles under 25 years, and utility or lowrider vehicles are also excluded from eligibility, a narrower scope than is typical in the broader market.
Intentional damage, driving under the influence, and mechanical breakdowns without optional module coverage are excluded, in line with conventional practice.
Some coverage and certain modules are not available in every province, so regional availability can be a limiting factor for collectors.
| Exclusions | Details |
|---|---|
| Exclusions linked to vehicle use |
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| Exclusions linked to driver |
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| Technical exclusions |
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| Geographical exclusions |
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| Contractual exclusions |
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- Daily commuting, commercial use, rideshare, delivery, taxi
- Racing, timed events, off-road use
- Driving under influence
- Intentional acts
- Damage caused by unapproved drivers
- Major modifications (e.g., roll cage, nitrous, 700+ hp)
- Vehicles under construction without correct module
- Certain coverage/modules not available in all provinces
- Right-hand drive imports under 25 years not eligible
- Motorcycles, RVs, scooters, dune buggies excluded
- Utility, camping, or lowrider vehicles excluded
The cost of Hagerty car insurance
Hagerty occupies a specialized niche by offering affordable premiums for collector and classic vehicles, largely due to its focus on limited-use vehicles and the absence of daily driver coverage.
While the guaranteed value (agreed payout) and comprehensive default package make Hagerty notably more robust than generalist low-cost insurers, pricing is still highly competitive compared to standard auto insurance, with premiums often up to 48% lower for eligible vehicles.
Deductibles are typically moderate and flexible, but Hagerty stands out by minimizing or waiving them on select features like glass repairs, providing additional value for enthusiasts.
The brand’s digital tools and streamlined online quoting keep administrative costs down, though it is not considered a pure digital-only player at the level of some insurtech firms.
Overall, Hagerty is positioned as competitive with a pronounced advantage for classic car owners who require strong coverage without paying the high premiums usually found in the comprehensive end of the market.
| Hagerty Collector Standard | Hagerty Private Client | Hagerty Vehicle Under Construction | |
|---|---|---|---|
| Young driver (18-24, compact vehicle) | $38/month | $60/month | $42/month |
| Standard driver (35-45, intermediate vehicle) | $28/month | $49/month | $33/month |
| Senior driver (60-70, city car) | $21/month | $37/month | $24/month |
| Driver with an at-fault claim within 3 years | $46/month | $75/month | $54/month |
| New SUV driver | $33/month | $55/month | $39/month |
| Driver with more than 25,000km/year | Not eligible | Not eligible | Not eligible |
For the lowest classic car rates, always compare Hagerty’s quotes with other specialist and standard insurers before making a decision.
Compare the best car insurance plans for free!Start comparingHagerty car insurance discount codes
| Promotional codes Hagerty | Details |
|---|---|
| HelloSafe | -5% on your quote |
Note: promotional codes are subject to change. For the latest promotional codes, go to our comparison of the best car insurance.
How much will I be reimbursed with Hagerty?
| Claim or service | Average price (CA$) | Hagerty Comprehensive plan |
|---|---|---|
| Replacement after theft | $50,000 | Up to agreed value (excludes deductible); Out-of-pocket: deductible only |
| Repair after an at-fault accident | $15,000 | Up to agreed value (excludes deductible); Out-of-pocket: deductible only |
| Windshield replacement/repair | $800 | Full cost (no deductible for repairs); Out-of-pocket: $0 (repair), deductible only (replacement) |
| Spare parts replacement | $1,000 | Up to $1,000 (excludes deductible); Out-of-pocket: amount above $1,000 plus deductible |
| Towing after covered accident | $300 | Full cost (related to insured event); Out-of-pocket: deductible only |
Out-of-pocket: deductible only
Out-of-pocket: deductible only
Out-of-pocket: $0 (repair), deductible only (replacement)
Out-of-pocket: amount above $1,000 plus deductible
Out-of-pocket: deductible only
Hagerty Car Insurance Assistance
Hagerty's car insurance assistance is strongly oriented toward the collector market, with optional roadside support available through the Hagerty Drivers Club, rather than as a contractual policy feature.
Emergency towing and breakdown services are reserved for members rather than standard policyholders, which means support is only guaranteed if you purchase this separate membership.
The policy does not include a replacement vehicle, coverage for hotel or alternative transport costs, or home assistance, representing notable omissions for those expecting classic comprehensive support.
Assistance features tailored for electric vehicles or legal defence after an accident are also absent, which could be a drawback for modern or urban classic owners.
Hagerty does, however, offer specialist towing and restoration-related cover within optional modules, reflecting a focused but narrow assistance strategy.
| Support Hagerty | Availability | Details |
|---|---|---|
| 24/7 roadside breakdown assistance | ✅ | Available to Drivers Club members only. |
| Towing to repair facility / Extended towing | ✅ | Covered for Drivers Club members, including flatbed and soft-strap towing. |
| Assistance from home (0 km) | ❌ | Not included in standard or club offerings. |
| Replacement vehicle | ❌ | Not provided with any Hagerty plan. |
| Alternative transport or accommodation | ❌ | Not covered under insurance or membership. |
| Vehicle repatriation | ❌ | Not offered in Canada. |
| Assistance abroad | ❌ | No coverage for incidents outside Canada. |
| Assistance for electric vehicles | ❌ | No specific services for electric vehicles. |
| Battery assistance & fuel misfuelling | ✅ | Emergency battery boost is included for Drivers Club members. No fuel misfuelling support. |
| Legal assistance after an accident | ❌ | Legal defence or recourse not included. |
| Assistance for animals on board | ❌ | No support for pets in the event of breakdown. |
| Key recovery & lock replacement | ❌ | Not included in any assistance or insurance option. |
Customer Feedback on Hagerty Car Insurance
| Review site | Rating and number of reviews |
|---|---|
| Trustpilot | 4.7/5 – 3,945 reviews |
We have analyzed the reviews on the above-mentioned site.
- The claims process is consistently reported as smooth and efficient, with specialist adjusters providing knowledgeable support for classic vehicles.
- The customer service team is described as responsive, friendly, and helpful in both sales and support situations.
- The policies are valued for the clarity and reliability of agreed value (Guaranteed Value™) payouts, which give owners peace of mind.
- The premiums are regularly cited as being much lower than with standard auto insurance, especially considering the level of tailored coverage.
- The roadside assistance and towing options included with Hagerty Drivers Club are highly appreciated for collector needs.
- Some customers express dissatisfaction with policy eligibility restrictions, such as limitations on daily drivers and vehicle types.
- A few policyholders mention delays in paperwork or documentation during the onboarding process.
- There are occasional complaints about confusion regarding coverage for vehicles under restoration or project status.
- A handful of users feel that certain add-on modules, like evacuation or enhanced roadside coverage, increase costs more than anticipated.
- A minority notes that coverage for routine maintenance and mechanical breakdown is not included, as expected with a collector policy.
How do I 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. Direct quote and online purchase also available at https://www.hagerty.ca/apps/-/quotemyclassic-ca Phone: 888-348-9369 Email: auto@hagerty.ca |
| To report a claim | File online at https://www.hagerty.ca/claim/claim_main.aspx Phone: 877-922-9701 ext. 5 Email: claims@hagerty.com |
| To request and track a refund | Contact customer service by phone at 888-348-9369 or by email at auto@hagerty.ca No specific process is published regarding documents to enclose, method of payment, or average reimbursement period—these details should be clarified with a representative during your request. |
| To obtain an insurance certificate | Call 888-348-9369 or email auto@hagerty.ca to request your certificate. Certificates may also be available through your broker or Hagerty’s customer portal. |
| To contact assistance | Roadside assistance is offered through Hagerty Drivers Club. Call 888-348-9369 for service, membership, or inquiries. Email: auto@hagerty.ca |
| To cancel my contract | Call customer service at 888-348-9369 or email auto@hagerty.ca to request cancellation. You may be asked to provide your policy number and a written request; no specific documents or notice period are published, so confirm requirements during your initial contact. |
Direct quote and online purchase also available at https://www.hagerty.ca/apps/-/quotemyclassic-ca
Phone: 888-348-9369
Email: auto@hagerty.ca
Phone: 877-922-9701 ext. 5
Email: claims@hagerty.com
No specific process is published regarding documents to enclose, method of payment, or average reimbursement period—these details should be clarified with a representative during your request.
Certificates may also be available through your broker or Hagerty’s customer portal.
Call 888-348-9369 for service, membership, or inquiries.
Email: auto@hagerty.ca
You may be asked to provide your policy number and a written request; no specific documents or notice period are published, so confirm requirements during your initial contact.
FAQ
Do I have to pay in advance for repairs or assistance with Hagerty?
Hagerty typically pays the repair shop or service provider directly for covered claims, including towing if it is related to an insured event. In most cases, you do not need to pay in advance—just your deductible, if applicable. Always confirm with your claims adjuster at the time of service to clarify the payment process for your specific situation.
How do I cancel my car insurance contract with Hagerty?
To cancel your Hagerty contract, contact customer service by phone or email, provide your policy number and written request, and allow for a standard 30-day notice period. The representative will let you know if any additional documents are required.
What types of vehicles can be insured with Hagerty?
Hagerty specializes in insuring collector cars, classic vehicles (usually 1979 or older), exotic cars, restoration projects, and specialty editions. Daily drivers, motorcycles, commercial vehicles, and modern vehicles used for regular commuting are not eligible for coverage.
Is roadside assistance included with Hagerty insurance?
Roadside assistance is available through the Hagerty Drivers Club, an optional membership you can add to your insurance. This service includes flatbed towing, emergency roadside support, and coverage options of various distances, but is not automatically included with your basic insurance policy.
Can I choose my own repair shop if I have a claim?
Yes, Hagerty allows customers to choose their preferred repair shop for covered claims. They also have a network of recommended specialists, but you remain free to select a shop you trust to handle your classic or collector car’s repairs.
Are premiums with Hagerty lower than typical car insurance?
Hagerty’s premiums are often up to 48% lower than standard auto insurance, mainly because collector vehicles are driven less frequently and are usually well cared for. Actual rates depend on your car, location, and chosen coverage options.
Do I have to pay in advance for repairs or assistance with Hagerty?
Hagerty typically pays the repair shop or service provider directly for covered claims, including towing if it is related to an insured event. In most cases, you do not need to pay in advance—just your deductible, if applicable. Always confirm with your claims adjuster at the time of service to clarify the payment process for your specific situation.
How do I cancel my car insurance contract with Hagerty?
To cancel your Hagerty contract, contact customer service by phone or email, provide your policy number and written request, and allow for a standard 30-day notice period. The representative will let you know if any additional documents are required.
What types of vehicles can be insured with Hagerty?
Hagerty specializes in insuring collector cars, classic vehicles (usually 1979 or older), exotic cars, restoration projects, and specialty editions. Daily drivers, motorcycles, commercial vehicles, and modern vehicles used for regular commuting are not eligible for coverage.
Is roadside assistance included with Hagerty insurance?
Roadside assistance is available through the Hagerty Drivers Club, an optional membership you can add to your insurance. This service includes flatbed towing, emergency roadside support, and coverage options of various distances, but is not automatically included with your basic insurance policy.
Can I choose my own repair shop if I have a claim?
Yes, Hagerty allows customers to choose their preferred repair shop for covered claims. They also have a network of recommended specialists, but you remain free to select a shop you trust to handle your classic or collector car’s repairs.
Are premiums with Hagerty lower than typical car insurance?
Hagerty’s premiums are often up to 48% lower than standard auto insurance, mainly because collector vehicles are driven less frequently and are usually well cared for. Actual rates depend on your car, location, and chosen coverage options.
