All our policies are written on an AGREED VALUE basis from inception. We agree the value of your vehicle with you at the time of quoting. Once we have both agreed the value of your classic car or classic car collection this means that, in the event that your vehicle is written off, we shall pay you the FULL AGREED VALUE when you take out insurance with Hagerty International.

To ensure that your policy remains an AGREED VALUE policy for the full term we ask for colour photos of the car and the engine within 30 days of buying the cover. To make life easier, these photos can be emailed and be of digital quality.

WE DO NOT HAVE HIDDEN OR ADDITIONAL CHARGES FOR AGREED VALUE POLICIES!

We offer this insurance in our policy to cover you in the event of a claim and you are required to employ a solicitor or legal advisor and hence incur additional expenses.

We offer a discounted product for cars in restoration. We carefully underwrite these vehicles and offer this cover for cars which are nearing the end of any restoration (i.e. within 2 years).

In addition, if your car is insured with Hagerty International and then is taken to a restorer, we automatically increase the value of the car by 20%, being conscience of the fact that any restoration work will normally increase the value of the vehicle. This increase is then valid until your renewal.

We are happy to offer you cover to attend shows, events and most rallies, whether they are organised by your local car club or another recognised company with experience in this arena. We cover most regularity rallies in the UK and Europe but we do increase your excess by an additional £750 and request notification before participating in each regularity rally. We regret that we cannot offer cover if you wish to race your car on a track, private land or on a hillclimb (unless arranged by the Masters Series www.themastersseries.com).

You can travel to the EU as many times as you like during the policy period, for a maximum of 90 days during the policy period.

Unlike some of our competitors, we want you to drive your car! You can drive the car as much as you want with discounted premium benefits applying to limited mileage cover.

If, in the event of an accident, you or your husband / wife are injured we will pay personal accident benefits upto £5,000, however higher limits are available upon request.

In the event that your vehicle is written off, we can either keep the salvage of the car ourselves, or pass this onto you. We do stipulate, however, that if you retain the salvage that you handle it in accordance with the relevant legislation.

When you take out a policy with Hagerty International, you can drive any other car insured by Hagerty International (subject to owners' approval).

We offer you a sub limit of £250 for spare parts cover. We do stipulate that these spare parts are kept locked in your garage.

Exactly what it says! When you take out a policy with Hagerty International we will provide you with a dedicated number should you ever need assistance in the event of an accident. Our Claims Start team have won awards on behalf of Allianz (voted the Best Insurance Company in the UK on 2004 2005). The Claims Start team are on the end of the phone 7 days a week, 24 hours a day.

Should you be suspended from driving for speeding (i.e. should your speeding offense take you over the 12 points required to keep your license) we will pay upto £125 per day for travel expenses to a Club Event. The most we will pay in any one year for this benefit is £6,000 per person.

We offer a sub limit for a cherished plate on your vehicle. The maximum we offer for this sub limit is £10,000 and we charge an additional premium of 1% of the sub limit for this cover. The plate has to be registered as a cherished plate though!

We offer cover in excess of the Agreed Value of the vehicle. In other words, we recognise that a specialist body part or repairer may be needed in the event of a claim and this often costs more than the previously Agreed Value.

Therefore, we offer 25% Excess Coverage for such a circumstance. So a value of £10,000 can be increased to an Excess Value of £12,500. We only charge 10% additional premium for this benefit.

We offer specialist cover for you should you want to take your car on to a racing track and really test the engineering of the machine! This is offered on the condition that whilst enjoying the track day, there is no racing. This cover is offered to you for any accident that may occur whilst on the track and the benefit is only 10% of the annual premium per event.

Our two bespoke Hagerty Classic Car Rescue (UK) and Hagerty Classic Car Rescue PLUS (European) Insurance policies are some of the most comprehensive roadside assistance and breakdown recovery benefits in the market. These benefits include;

• Home start (we will provide recovery at your house).
• Roadside assistance (up to 30 minutes free labour costs).
• Guaranteed flat bed recovery vehicle (when applicable).
• Repatriation cover when in Europe (customs and accommodation costs covered).
• Choice of destination (i.e. the policy allows for your onward journey to be completed or you can choose to return to your original starting place).
• Repairer of your choice (subject to agreement by all parties).