First Beaches Insurance is proud to offer tailored protection for auto enthusiasts from the global leader in collector vehicle insurance.

Hagerty coverage offerings include Guaranteed Value ®, the freedom to drive, expert claims handling, and Hagerty Drivers Club ®.

About Hagerty

Hagerty is a leader in the collector car industry with over 30 years dedicated to protecting collector vehicles. They are a company made up of people who love cars and who work tirelessly to give the best coverage at the lowest price possible. Along with providing unparalleled specialty insurance for enthusiast vehicles, Hagerty is also home to Garage + Social, Car Values, DriveShare®, and Hagerty Drivers Club®.

Drivers Club members enjoy exclusive automotive offers, members-only events like track days and tours, a subscription to the award-winning Hagerty Drivers Club magazine, roadside assistance, and much more.

Insurance for the vehicles you love to drive

You know what’s best for your classic car under the hood, but what about the best collector car insurance? Whether it’s a muscle car, a pre-war classic, or a newer collectible from the 1980s and newer, First Beaches Insurance has partnered with Hagerty to keep you covered with insurance designed for the unique needs of collector car collectors.

Insurance policy features

Guaranteed Value® coverage

Hagerty’s Valuation Tools help you determine the true value of your collectible, then create an agreed value policy that guarantees you will be paid every cent of your car’s insured value in the event of a covered total loss.*

Lower premiums

Hagerty only protects collector vehicles that are not driven daily, so insurance policies through Hagerty provide better coverage with premiums up to 36% lower than daily driver insurance.**

Flexible usage

Your car is fun to drive, so why not hit the road? The Hagerty policy allows limited pleasure use with no fixed mileage limits.***

Specialized coverage

Every policy includes unique coverages, so you can focus on the joy of owning and driving a collector vehicle.

Instant new purchase coverage

30 days of coverage for up to $50,000 of the vehicle value for newly purchased collectible cars.****

Spare parts coverage

$750 of comprehensive coverage for your insured vehicle’s spare parts.

Auto show medical reimbursement

Up to $10,000 in medical payments if you or your family members are injured during an auto show or other car-related function.

Access to the experienced claims team at Hagerty

The in-house claims team at Hagerty is trained in the art of classic vehicle repairs.

Dedicated and efficient service

Receive a response to your online claims report within 1 business day and most claims are paid within 15 days of report.

Collaborative repair selection

You can choose how and where your vehicle is restored—Hagerty will even pay you to do the repairs yourself if you prefer.

Unmatched collectible expertise

All Hagerty adjusters have hands-on restoration experience, and our in-house parts specialists will find every part needed for a repair, if available.

Claims Testimonials

Everything was explained completely and the whole sad process of losing a treasured
car was lightened.

Paul (MI)
December 30th 2018, Hagerty client for 4 years

I have had Hagerty for years. They handled my recent claim for the total loss of my prized Model A in a recent northern California wildfires. They were by far the easiest insurance company to deal with.

Daniel (CA)
January 27th 2019, Hagerty client for 10 years

First Beaches Insurance is pleased to partner with Hagerty for classic car insurance that covers a wide range of collector vehicles:

  •  Antique and classic cars
  • Muscle cars
  • Classic trucks and utility vehicles
  • 1980 or newer collector cars
  • Collector motorcycles and scooters
  • Modified vehicles – like hot rods, tuners and lowriders
  • Antique tractors
  • Collector race cars
  • Motorsports protection
  • Classic military vehicles
  • Kits and replicas
  • Retired commercial vehicles
  • Vehicles under construction
  • Collector trailers

Does your vehicle qualify for classic car insurance?

To qualify for collector car insurance, you must meet the following requirements:


The classic car policy allows you to use your collector vehicle for club functions, exhibitions, organized meets, tours and occasional pleasure driving. As long as it’s not your daily driver, it qualifies for classic car insurance.


Though we prefer that collector vehicles are stored in an enclosed, secure structure when not in use — such as a private garage, pole barn or storage unit — we will consider other storage types, including:

  • Carports
  • Driveways
  • Parking garages
  • Car hauling trailers

Regular-use vehicles

All household members with a valid driver’s license must have a regular-use vehicle for daily driving to qualify for classic car insurance. Motorcycles and public transportation are not considered regular-use vehicles in most cases.

Classic truck coverage

Collector trucks can also be covered by classic car insurance. We understand that you might have different uses in mind for a truck, which is why we offer specialized collector car insurance coverages. Talk to us about how hauling and towing can be considered on a limited basis under a classic car policy.

Available classic car insurance coverage


Although classic cars aren’t for daily use, accidents can still happen. Whether it’s a collision with another vehicle or another object, your classic car policy may reimburse you for the damages.


In the unfortunate event that your classic car is stolen, collector car insurance can cover you up to the Guaranteed Value® of your vehicle.

Other damage

Unexpected damage such as fire and vandalism may be covered under your classic car insurance policy as well. Additional classic car coverages and benefits

You can also get specialized coverage for:

  • Automobilia
  • Automotive tools
  • Spare parts ($750 included at no charge, $0 deductible)
  • Cherished Salvage® (endorsement)
  • Vehicle Under Construction (endorsement)
  • Traveling Collector (endorsement)

Hagerty Drivers Club ®

Join the top classic car community for just $45 a year and gain access to exclusive content and events, automotive offers, roadside assistance, six issues of Hagerty Drivers Club magazine, and more.*****

Roadside assistance

Designed with quality care for classics in mind, Hagerty roadside services include guaranteed flatbed towing, real-time truck tracking, and an unlimited number of service calls annually.

Hagerty magazine

Subscribe to our Folio award-winning magazine and receive stunning automotive editorial content delivered to your mailbox six times a year.

Automotive discounts

Membership includes access to exclusive discounts from your favorite automotive suppliers. Save money on car parts, services, rentals and more.


*Less any deductible and/or salvage value, if retained by you. Guaranteed Value includes all taxes and
fees unless prohibited by state law.

DriveShare is currently not available for vehicles registered in NY. For FAQ, user policies, and terms and
conditions, visit

Membership by Hagerty Drivers Club (HDC), a licensed motor club and non-insurance subsidiary of The
Hagerty Group, LLC. Roadside services provided by/thru Cross Country Motor Club. Only the HDC
Program Guide contains a complete description of benefits. Purchase of insurance not required for
membership in HDC.

Policies underwritten by Essentia Insurance Company.

*Figure based upon 2020 consumer data collected by Hagerty on single car quotes, with premiums $5000 and under, from several daily driver (or “Everyday”) auto insurance carriers.

Some coverage not available in all states. This is a general description of coverage. All coverage subject
to policy provisions, exclusions, and endorsements.

Hagerty determines final risk acceptance.

Hagerty, Hagerty Drivers Club, DriveShare, Hagerty Garage + Social, Guaranteed Value & Hagerty
Valuation Tools are registered trademarks of the Hagerty Group LLC, ©2021 The Hagerty Group, LLC. All
Rights Reserved.