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Hagerty insurance vs. regular car insurance

Classic car insurance

Discounted premiums
We understand your classic car is your pride and joy and will be used sparingly, so we adjust our premiums accordingly — potentially saving you money compared to regular car insurance.

Regular car insurance

High annual premiums
Standard car insurance companies may rate your classic car the same as a regular use vehicle that is driven daily, covering high mileages.

Classic car insurance

Agreed value
We insure all our classic vehicles on an agreed value basis. You can be confident with the knowledge that in the event of a covered total loss, you will be paid the agreed value.*

Regular car insurance

Market value
Regular car insurance companies rarely offer agreed value insurance, which means that you may receive less than your classic vehicle is worth in the event of a total loss.

Classic car insurance

Knowledgeable service
We only insure classic vehicles, and many of us also own classics! We receive specialised training, attend classic car shows and are often found in car parks chatting to fellow enthusiasts.

Regular car insurance

Call centre mentality
A regular car insurance company will be focused on also selling home, pet and travel insurance to you. Chances are your classic car won’t take priority on your insurance policy.

Classic car insurance

Exceptional claims handling
As classic car owners and enthusiasts, we understand what it takes to get your classic back on the road following a claim. Our network of classic car repairers and restoration specialists will provide the highest quality work to get you up and running quickly. Or you can choose your own repairer.

Regular car insurance

Claims handling
A regular car insurance company may not have the resources to obtain the parts necessary to ensure your classic car remains a true classic. Though they will have a network of repairers, these will not provide the specialist work that your classic car rightly deserves.

Classic car insurance

Affordable breakdown roadside assistance
All of our policies include UK and European Breakdown and Recovery Insurance. If you are attending a show, from Spa to Silverstone, we will help you get back home should your classic car break down.

Regular car insurance

Standard roadside assistance
A regular car insurance company may not provide an inclusive, bespoke breakdown policy. And they won’t have the specialist knowledge that you need, which Hagerty offers as a benefit of the classic car and classic bike insurance policy.

Let Hagerty protect your beloved classic

Online quotes are fast and easy or talk to one of our collector car savvy agents.

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