Just curious if any of those that have a Hagerty policy actually spoke with an underwriter there? Here's my recent experience,
I recently discussed my coverage with my current insurance company and my agent recommended Hagerty for my LC with rave reviews and provided me an estimated quote with them that seemed quite reasonable but she was unable to answer any real specific questions about coverage and limited use restrictions. I was advised to give Hagerty a call and speak to them directly myself about my intended use.
I spoke with a Hagerty representative and explained that my 80 was not my daily but I intend to USE and DRIVE it. I was completely honest and transparent with them about my usage and wanted honest answers. I would consider my usage mild compared to many on this forum. I explained that I would be using my LC around town, trips to the mountain to go skiing/snow showing, trips to the woods to access trail heads for hiking and backpacking as well as remote camping.
A couple of the first questions I got from Hagerty were, how many miles a year do I anticipate, how often will I be going up to the mountain in the snow, where do I leave the vehicle when I am hiking, do I keep it garaged. I answered all of their questions honestly. I put on average 6k - 8K miles a year, make a half dozen trips to the mountain during winter, do dozens of off pavement roads exploring or leaving the vehicle at trail heads to go hiking, and I do not always park in the garage. After a brief pause, I was told that they would need to check with underwriting and would get back to me. Latter that week I got a return call from Hagerty saying that they would not be able to provide coverage based on my usage description and that they are specifically in business to cover property that is being preserved but not necessarily used as intended.
Just to confirm, a couple of months latter I filled out an online request for quote on the Hagerty website and got an instant quote and message that I would be contacted by a representative. a few days latter I got a call back and the exact scenario played out. I had to laugh when I was told a second time they wouldn't be able to provide coverage for the LC then was asked if I would be interested in a quote for my boat. I said that I would pass and asked if their coverage was only good as long as you never put the boat in the water.
If you have a classic that gets uncovered occasionally and is taken out for a sunny Sunday drive they may work for you but I would caution anyone that is considering Hagerty or has a Hagerty policy on a vehicle that is actually being used, especially if you haven't been upfront and provided full disclosure of your intend use, they may not be there for you when you need them the most.