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Hagerty Insurance is famous and reputable for providing insurance to a wide group of individuals that are wanting the right insurance protection. At Athena Insurance and Financial Services we are proud to offer Hagerty Insurance for the following:

1. Antique Cars
2. Classic Cars
3. Classic Trucks
4. Classic Utility Trailers
5. Motorsports Insurance
6. Classic Military Vehicles
7. 1980 or new collector Vehicles
8. Retired Commercial Vehicles
9. Collector Trailers

Antique Cars

Hagerty broadly defines antique or classic vehicles as stock vehicles built from the turn of the century through 1979. To qualify for the insurance program, vehicles 1979 and older must meet the following requirements:

• Usage and Mileage

  Our policy allows the collector vehicle to be used for club functions, exhibitions, organized meets, tours and even occasional pleasure driving (includes driving to work or errands less than 20 times per year) — it just can’t be a daily driver. Driving to work or errands between 20-60 times a year may be considered in some states.

• Usage and mileage requirements may differ based on the vehicle that is being insured, such as collector trucks or vehicles that are 1980 and newer. Please review specific vehicle guidelines for this information.

  Mileage of 3,500 or less is generally consistent with operating vehicles that have collectible value. Mileage up to 7,500 may be considered in some states.

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  Storage

  Collector vehicles generally must be stored in a private, enclosed, secure structure when not in use. Appropriate storage examples include:

  • Private residential garages
  • Private pole building or barns
  • Rental storage units

• Carports may be considered in all states except AK, CA, FL or HI

  • Must not be within 100 miles of the coast in TX, LA, MS, AL, GA, SC or NC
  • Vehicle value must not exceed $30,000
  • Motorcycles and some modified vehicles are not eligible if stored in a carport

• Parking Garages may be considered in all states except AK, CA or HI

  • Must have 24 hour security such as an alarm system, guard or video surveillance
  • Must be limited access (not for public use)
  • Assigned parking spaces are preferable

• Car hauling trailers and other enclosed structures may be considered in all states except AK, CA or HI

  • Must be anchored to a stationary object and/or located in a secure location
  • The value of the collector vehicle(s) stored inside should not exceed $50,000
  • Collector vehicle(s) valued at more than $50,000, the trailer must also be stored inside (warehouse, airplane hangar, pole building, etc.)

• Vehicles kept in driveways may be considered in all states except AK, CA, CO, FL, HI or KS

  • Must not be within 100 miles of the coast in TX, LA, MS, AL, GA, SC or NC
  • Vehicle value must not exceed $30,000
  • Motorcycles and some modified vehicles are not eligible if stored in a driveway

• Unacceptable storage includes:

  • Temporary storage facilities assembled of canvas or plastic (i.e. tents, domes or igloos)
  • Streets
  • Parking lots
  • Public parking garages

• Driver Eligibility

  In most states, we can’t offer coverage to drivers with a serious infraction. Serious infractions include:

  • Alcohol-related offenses
  • Reckless driving
  • Excessive speed violations

  All household driving records are subject to underwriter review. Generally one or two minor violations or accidents are acceptable.

  California Guidelines:

  Please note:  A Named Driver Exclusion is available in your selected state and can be used when driving records or claims history would otherwise disqualify the risk.   We cannot exclude the named insured or any other person who is listed on the title or registration of the vehicle(s).

• Vehicles That May Not Qualify

  Because we provide low-cost, Guaranteed Value^™ coverage, we are not able to provide coverage for certain vehicles due to how they are used and the increased risk associated. Examples of vehicles not eligible include:

  

  • Camping, off-road, or utility-type vehicles
  • Vehicles driven on a daily basis
  • Commercial-use vehicles
  • Motorcycles with performance modifications
  • Any vehicle modified with nitrous components
  • Dune buggies

  Please Note: Hagerty differs from standard insurance in that we don’t have a price for every risk. We determine eligibility based upon the accumulation of all risk characteristics related to our program guidelines.

• Coverage Limits

  Hagerty can offer liability limits less than or equal to the limits carried on the Personal Auto Policy (PAP).

  We can consider Business Auto Policies. However, the maximum limits we will offer are $100/$300 liability and state minimum limits for UM/UIM. We can consider higher limits when there is a Drive Other Car (DOC) or Individual Named Insured (INI) endorsement attached. Exception: The maximum limits we will offer in GA, KS, MN, NY, NC and NH are state minimum limits. A copy of the BAP and DOC/INI endorsement (if applicable) are required.

  Umbrella liability limit requirements can also be met, except in GA, KS, MN, NY, NC and NH. Proof of the umbrella requirement is required.

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  Daily Use Vehicles

  • All household members with a valid driver’s license must have a vehicle to drive on a daily basis
  • Clients with less than one daily use vehicle per driver may be considered when insuring a 1979 and older vehicle in some states
  • The daily use vehicle should be reliable
  • Motorcycles and public transportation are not considered viable daily use vehicles by our program in most cases (contact us for details)
  • Applicants must also maintain daily use insurance in their own names

CLASSIC TRUCKS, SUVS AND JEEPS

• Your  love for trucks and SUVs only grows over time. And if it’s a classic, so does its value. It’s up to you to protect that pride and joy. It’s never been easier, with custom coverage designed –and priced– for these treasured classics. To qualify for our program, trucks and utility vehicles must meet the following requirements:

• Stock

  • 1995 and older
  • Minimum value for 1972 and older is $3,500
  • Minimum value for 1973-1989 is $5,000
  • Minimum value for 1990-1995 is $10,000
  • Vehicles cannot be used for camping
  • Vehicles should not be used regularly for towing and hauling; however, we can consider limited towing and hauling up to 20 times per year 

• Modified

  • 1995 and older
  • Minimum value for 1972 and older is $3,500
  • Minimum value for 1973-1989 is $5,000
  • Minimum value for 1990-1995 is $7,500
  • Extreme off-road modifications such as brush guards, roll bars, tool boxes and lift kits with large off-road tires will not be accepted
  • Vehicles cannot be used for camping
  • Vehicles should not be used regularly for towing and hauling; however, we can consider limited towing and hauling up to 20 times per year

   

MOTORSPORTS INSURANCE

• Hagerty’s program provides off-track coverage for vintage race cars, nostalgia dragsters, pro-street, and modern, high-quality racing vehicles.

  Coverage does not apply when the vehicle is racing. Other Than Collision coverage applies everywhere but while the vehicle is racing, including during storage and transportation. Collision coverage applies while the car is being loaded and unloaded onto the trailer, during transportation, while the car is being driven to the paddock and while in the paddock. Full coverage is available for some street legal cars in some states.

• Vintage Race Cars

  To qualify for our program, vintage race cars must meet the following:

  • Minimum value is $10,000
  • Modified vintage race cars are 1999 and older
  • Applicant and drivers must have 10 years driving experience
  • For vintage racers 1990 and newer: the vehicle age guidelines must be met, no more than two violations/claims per household, excellent condition and should not be financed or leased

• Examples:

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• Nostalgia Dragsters

  To qualify for our program, nostalgia dragsters must meet the following:

  • 1999 and older
  • Minimum value is $10,000
  • Vehicle must be in very good or better condition
  • Applicant and drivers must have 10 years driving experience
  • No professional racing teams
  • Racing usage should generally not exceed 10 races per year

• Examples:

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• Pro-street

  Pro-street cars are generally from the 1960s or ‘70s and have been modified primarily for straight-line speed. Common modifications include roll cages, tubbed rear wheel-wells to accommodate wide racing-type tires, five-point racing harnesses, lightened interiors with racing seats, wheelie casters, parachutes and power adding features to engine. Hagerty considers a vehicle to be pro-street when it is tubbed AND caged. To qualify for our program, pro-street cars must meet the following:

  • Vehicle must be street legal in order to provide full coverage
  • 1989 and older
  • Minimum value is $20,000
  • Vehicle must be in very good or better condition
  • Applicant and drivers must have 10 years driving experience
  • Named Driver Exclusions will be applied to any youthful household members (age 26 or less). If a Named Driver Exclusion is not available in your client’s state, we are unable to offer a policy.
  • Vehicles with more than 700hp will not be written with liability coverage

  Due to the unique risk these vehicles present, please contact our office with any questions

• Examples:

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• State coverage limitations include:

  • FL: Additional or extended PIP will not be offered
  • KS, NC & NY: Only comprehensive and limited trailer/paddock collision is available
  • TX: PIP, Uninsured Motorist BI and Uninsured Motorist PD must be rejected
  • VA: Only comprehensive and collision coverage is available

ANTIQUE TRACTORS