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’s current published appetite is centered on collector and enthusiast vehicles, not standard daily-use autos. Preferred business is collectible vehicles used for club events, exhibitions, tours, and occasional pleasure driving, with agreed/Guaranteed Value-style coverage and enthusiast-oriented risks. Core private-passenger collector risks generally fit when the vehicle is not a daily driver, is in good or better condition, and has collectible value; published mileage guidance says 3,500 miles or less is generally consistent with collectible use, with up to 7,500 miles considered. Hagerty also publishes appetite for 1980-and-newer collector vehicles, collector trucks/Jeeps/SUVs, modified vehicles, classic motorcycles/scooters, military vehicles, retired commercial vehicles, tractors, and motorsports-related risks. Published vehicle thresholds include: classic/collector cars generally 1979 and older; trucks/Jeeps/SUVs generally 1998 and older unless otherwise identified as collectible; 1980-and-newer collector vehicles can qualify if not for primary use, in good or better condition, minimum value $3,500, used for pleasure driving rather than regular commuting, and stored in protected locations; motorcycles generally 1996 and older with some 1997+ considered, minimum value $2,000, or $1,000 each for collections of 3+ motorcycles. Modified-vehicle appetite explicitly includes hot rods, street rods, resto mods, pro-street vehicles, custom cruisers, custom imports, and replicas. Key restrictions/declines currently published: daily-use vehicles, commercial-use vehicles, off-road or recreational vehicles, and motorcycles with performance modifications may not qualify under the collector program. For trucks and SUVs, Hagerty states extreme off-road modifications such as brush guards, roll bars, tool boxes, and lift kits with large off-road tires are not accepted. For motorcycles, custom-built frame/structurally modified risks must generally be 1975 or older with minimum insured value $7,500; custom-built trikes are ineligible; on-track operation is excluded and professional race teams are not allowed. Driver quality matters: in most states Hagerty cannot offer coverage to drivers with serious infractions, defined in published guidance as alcohol-related offenses, reckless driving, or excessive speed violations; all household drivers are subject to underwriter review, and one or two minor violations/accidents are generally acceptable. Geographic/storage notes are more detailed than many specialty carriers and should be checked carefully at submission. Preferred storage is an enclosed, secure structure such as a private garage, pole barn, car condo, or storage unit. Hagerty will consider alternate storage subject to state restrictions: carports may be considered in all states except California and certain Florida counties (Broward, Miami-Dade, Monroe), with a $100,000 maximum vehicle value and distance-from-coast restrictions in Florida and Louisiana; parking garages may be considered except in California if secure, limited access, and preferably assigned; enclosed hauling trailers/other enclosed structures may be considered except in California; driveway storage may be considered except in California, Colorado, Florida, or Hawaii, with Louisiana coastal restrictions, a $50,000 value cap, and no driveway-stored motorcycles or some modified vehicles. Unacceptable storage includes canvas/plastic temporary structures, streets, parking lots, and public parking garages. Hagerty also notes that some coverage is not available in all states; for example, the newer-collector page states one additional coverage is not available in New York. Submission/underwriting requirements currently published: all household members with valid licenses should have a regular-use vehicle for daily driving; motorcycles and public transportation are generally not acceptable as regular-use vehicles; applicants must maintain regular-use auto insurance in their own names. Hagerty encourages liability limits no higher than those on the client’s personal auto policy; if the applicant has no PAP, Hagerty may consider a business auto policy with appropriate personal liability endorsements, but in Georgia, Kansas, Minnesota, New York, and North Carolina the maximum limits offered are state minimums when only a BAP is present. Vehicle value support may be requested during underwriting if needed. Broker/producer instructions published on the agent site emphasize fast online quote-to-bind capability, with most quotes taking under 10 minutes, more than 60% issued online without manual underwriting review, and no appointment or production requirement to start quoting; however, Hagerty states final risk acceptance is determined by Hagerty/underwriting and some risks remain subject to manual review. Operationally, best-fit submissions are true hobby/collector owners with clean household driver profiles, insured daily-use vehicles, protected storage, and vehicles with clear collectible use/value rather than transportation exposure.