Collector Car Insurance

Ideal Accounts and Vehicle Types Covered

This program is best for insureds who keep collector vehicles for hobby and leisure use rather than daily transportation. Agents can place accounts ranging from casual collectors to serious restorers. Typical eligible vehicles include:

• Antique & Classic Vehicles
• Lowriders
• Military Vehicles
• Muscle Cars
• Modern Classics
• Exotic and Special Interest Vehicles
• Street Rods and Replicas
• Antique Fire Trucks
• Antique Farm Tractors
• Collector Trucks and Trailers
• Vehicles Under Active Restoration

Example accounts that fit well: a weekend-show collector with a restored 1960s convertible that is driven sparingly, and a client rebuilding a WWII military jeep who needs coverage while the vehicle is in a home garage and during the restoration process.

Coverage Highlights and Advantages

The Hagerty Collector Car Insurance policy—available through Dan Lawrie Insurance Brokers—includes features designed for collectors and restorers:

1. No appraisals required for most policies — simplifies placement and speeds underwriting.
2. Competitive, low premiums — rates geared to limited-use collector risks, typically lower than standard personal auto coverage.
3. Agreed value coverage — pays the pre-agreed value on a total covered loss.
4. Low deductible options — multiple deductible levels to suit client preferences.
5. Multi-vehicle liability discount — savings when insuring multiple collector vehicles on one policy (up to three).
6. Flexible usage terms — allows occasional leisure driving, attendance at shows, parades and club events.
7. Repair-shop or owner-performed repairs — clients may choose their repair facility or perform qualified repairs themselves with reimbursement.
8. Restoration coverage — protects vehicles in active restoration and covers the increasing value of improvements.
9. Instant new-purchase coverage — newly acquired collector vehicles are automatically covered up to $25,000 under the existing policy.
10. Hagerty Plus membership — includes collector-focused roadside assistance with flatbed towing and access to a large owner community and resources.

Underwriting Notes

Placement is for vehicles that are not primary transportation. Clients must carry insurance on any regularly used vehicle separately. The program generally does not accept vehicles used for daily commuting or for organized racing. While there is no publicly listed minimum premium in this description, Dan Lawrie’s underwriting emphasizes competitive pricing for qualifying risks and streamlined submission requirements.

Territories and Availability

This Collector Car Insurance program is available across Ontario, Canada. Agents placing collector vehicle risks in the province will find broad territorial availability through this program.

Why Work With Dan Lawrie Insurance Brokers?

Dan Lawrie Insurance Brokers is a Canadian general agency with deep experience in niche specialty programs. Through its relationship with Hagerty Insurance Agency—an industry leader in collector vehicle coverage—Dan Lawrie provides agents with streamlined quoting, responsive underwriting and a program designed specifically for collector exposures. Brokers benefit from program expertise, flexible coverages, and access to collector-focused membership benefits that enhance the insured experience.

Whether a client is showing a pristine 1967 Mustang on weekends or restoring a vintage military vehicle, Dan Lawrie’s Collector Car Insurance program offers focused protection and practical features tailored to collectors. For a no-obligation quote, visit our program storefront.

Frequently Asked Questions

Need help placing an account? Connect with a market specialist.