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
Hagerty operates primarily as a managing general agent focused on collector and enthusiast vehicles, written through partner insurers and reinsurance entities. The core appetite is non‑daily‑use, well‑maintained collector risks with strong operators and appropriate storage; daily‑use and commercial exposures are outside appetite. Preferred business / target risks - Classic and collector vehicles (cars, light trucks, some SUVs) used for pleasure, hobbies, club events, shows, and occasional touring, not as a daily driver. Hagerty explicitly encourages hobby use but prohibits regular commuting or primary transportation exposure. ([hagertyagent.com](https://www.hagertyagent.com/?utm_source=openai)) - 1990-and-newer enthusiast vehicles that meet program guidelines for condition, mileage, value, and use, including many sports cars and performance models. A Hagerty agent page provides sample lists of qualifying 90s-and-newer vehicles and outlines the required condition, average mileage expectations, and minimum values for quoting. ([hagertyagent.com](https://www.hagertyagent.com/insurance/classic-car-insurance/newer-vehicles?utm_source=openai)) - Supercar / exotic vehicles manufactured 2000 and later (e.g., Ferrari, Lamborghini, Aston Martin, Dodge Viper) that meet strict underwriting criteria: applicants/operators licensed ~10+ years, preference for at least one year of comparable high‑performance ownership, low annual mileage (generally under 5,000 miles), limited household violations/claims, and appropriate youth-driver restrictions. Underwriting Specialist approval is required and leased vehicles are only acceptable on a very limited basis. ([hagertyagent.com](https://www.hagertyagent.com/insurance/classic-car-insurance/newer-vehicles?utm_source=openai)) - Households with a separate modern daily‑use vehicle; Hagerty’s pricing and usage assumptions are built around the collector vehicle not being the primary means of transportation. - Youthful operators can be acceptable: Hagerty notes it can allow drivers as young as 16 with clean records when supervised, reflecting a controlled but open stance on youthful operation of collector vehicles. ([hagertyagent.com](https://www.hagertyagent.com/?utm_source=openai)) Key risk and usage guidelines - Non‑daily use is critical: policies are intended for pleasure/hobby use, club activities, cruise nights, and occasional trips. Regular commuting, rideshare, delivery, or business use (e.g., advertising, livery, job‑site commuting as primary vehicle) are generally outside appetite and often declined. ([hagertyagent.com](https://www.hagertyagent.com/?utm_source=openai)) - Storage expectations: standard guidance favors secure, enclosed storage (private garages and similar). Condo parking garages are not automatically considered “private garages,” but Hagerty indicates it may consider some condo parking risks subject to underwriting review, so agents should not assume automatic eligibility and should submit details for review. ([hagertyagent.com](https://www.hagertyagent.com/resources/hagerty-insights/quoting-best-practices?utm_source=openai)) - Mileage/usage on exotics and late‑model performance: specific caps (e.g., ≤5,000 annual miles) apply for many exotic/supercar risks. Underwriting may also impose Named Driver Exclusions or Youthful Non‑Operator warranties when youthful household members are present. ([hagertyagent.com](https://www.hagertyagent.com/insurance/classic-car-insurance/newer-vehicles?utm_source=openai)) - Condition and valuation: vehicles must be in good to excellent condition consistent with collector use; Hagerty emphasizes correct agreed value (Guaranteed Value®). Agents are instructed to use the Hagerty Valuation Tool to establish appropriate values and avoid undervaluation exposures. ([hagertyagent.com](https://www.hagertyagent.com/?utm_source=openai)) Restricted or declined classes (operational view) - Daily‑driver exposures where the collector vehicle is the primary transportation or regularly driven to work/school, or used for rideshare, delivery, or other commercial auto use, are typically not acceptable. ([reddit.com](https://www.reddit.com/r/classiccars/comments/1brqf04?utm_source=openai)) - Certain inexpensive home‑built kit cars that do not replicate a recognized classic and some non‑collector‑type custom builds can be outside standard Hagerty appetite and may be referenced as restricted in wholesaler/GA handouts and guidelines. ([adb4.superioraccess.com](https://adb4.superioraccess.com/KB/Private/Guidelines/Personal/Auto/Auto_Antiques/Hagerty_Guidelines.pdf?utm_source=openai)) - Exotics or high‑performance models not meeting strict driver experience, storage, and mileage rules, or households with adverse violation/claim history beyond Hagerty’s thresholds, are commonly referred to Underwriting Specialists and may be declined. - Business‑use classics (e.g., vehicles used for regular business promotion, deliveries, or commercial activity) are often declined or require specialty handling; agents should expect additional underwriting scrutiny or alternative placement requirements. ([reddit.com](https://www.reddit.com/r/classiccars/comments/1brqf04?utm_source=openai)) Geographic notes - Hagerty markets its classic-car program as available in all 50 U.S. states through local agency partners, positioning itself as a national collector auto solution. Appetite is broadly national, with standard caveats for state‑specific forms, coverages, and availability. ([hagerty.com](https://www.hagerty.com/apps/Resources/AgentLocator/AgencyLookup/SearchResults/Atlanta/GA?utm_source=openai)) Submission and quoting requirements / best practices for agents - Agent platform: producers use the Hagerty Agent Business Center (hagertyagent.com) to quote, bind, and service business. Most quotes can be issued online with no manual underwriting review when they fit standard guidelines; out‑of‑box risks route to underwriting. ([hagertyagent.com](https://www.hagertyagent.com/?utm_source=openai)) - Turnaround: Hagerty states that quotes requiring manual underwriting typically have a 1–2 business day turnaround once submitted; agents are advised not to promise final rate until underwriting review is complete and to call Hagerty (800‑747‑5348) to rush cases when needed. ([hagertyagent.com](https://www.hagertyagent.com/resources/hagerty-insights/quoting-best-practices?utm_source=openai)) - Payment at submission: applications can be submitted for full underwriting without immediate customer payment information; agents can select Annual Auto Pay to improve retention and potentially provide a small premium discount while streamlining renewals. ([hagertyagent.com](https://www.hagertyagent.com/resources/hagerty-insights/quoting-best-practices?utm_source=openai)) - Data quality: agents are instructed to provide accurate vehicle details (including proper model name), confirm storage type, and use the Valuation Tool to set agreed values. Missing or unclear information (e.g., name of vehicle, unusual storage like shared condo garages, or non‑standard usage) should trigger a call or note to Hagerty underwriting rather than assumptions. ([hagertyagent.com](https://www.hagertyagent.com/resources/hagerty-insights/quoting-best-practices?utm_source=openai)) - Agent appointment: independent agents must be appointed/approved with Hagerty’s underwriting company before placing business; Hagerty uses an appointment form and internal underwriting company relationship process, handled through its agency channel. ([hagerty.com](https://www.hagerty.com/assets/PDF/SC_Appointment_Form.pdf?utm_source=openai)) Broker/producer operational notes - No formal production minimums are advertised; the agent site highlights that there are no production requirements and emphasizes ease of doing business, automated policy downloads, direct client billing, and direct‑deposit commissions. ([hagertyagent.com](https://www.hagertyagent.com/?utm_source=openai)) - Hagerty positions itself as a specialist partner during a hardening market, suggesting agents unbundle accounts and move collector vehicles to Hagerty for pricing and coverage advantages, especially where standard carriers are tightening underwriting. ([hagertyagent.com](https://www.hagertyagent.com/resources/hagerty-insights/navigating-a-hardening-market?utm_source=openai)) - Agents have access to a dedicated Agent Service Center, marketing materials, online training, and product information through the agent portal; they are encouraged to consult these resources and their Hagerty rep to stay current on appetite nuances and product changes. ([hagertyagent.com](https://www.hagertyagent.com/?utm_source=openai)) Working guidance for underwriters and brokers - Focus on non‑daily‑use, enthusiast‑owned vehicles with strong storage, good to excellent condition, clean to moderate driving records, and realistic agreed values. - Scrutinize exotics and high‑performance late‑model cars for driver experience, low annual mileage, youth in household, and storage; escalate to Underwriting Specialists per program requirements. - Decline or redirect business‑use, primary‑transportation, or inadequately stored risks unless a Hagerty underwriter explicitly approves with appropriate restrictions. - Use the Hagerty agent portal tools and published best‑practices articles as your operational reference; when in doubt, submit with full details and contact underwriting rather than self‑declining borderline enthusiast risks.