Hagerty Reviews

Impossible to settle claims. I have been on hold for 1 hour and 10 minutes as I write this. This follows other calls of 1 hour 15 minutes and 45 minutes which I hung up after being on hold. They don't answer the phone. They don't return voice mails. They don't return emails. They will do anything they can not to process your claim. I am moving my collector cars over to Grundy. I was on hold for so long I was able to get a quote and fill out application online while I waited for Hagerty to pick up phone. LOL.

Filed a very complex claim in December and have been required to provide additional information. All provided and when chasing claim this month, claim denied without any notification. Spoke to representative who repeated reason for denial of claim which were not items claimed for. Left email for supervisor, still no reply 5 days later.

I have 3 Corvettes insured with Hagerty or thought Hagerty, Essentia. I had just bought my vehicle and was on a drive and turn in a City Street laced with potholes. As careful as I was, the front mono spring broke. They sent an appraiser out to the house, she couldn't take photos of the damage, but I handed her the shop estimate of $2500 and she wrote estimate for$ 681. She is replacing with a used part. Off Ebay. The insurance company stated they don't guarantee those but are advocating this part because new is not available.

On April 25, 2024 I had someone run into the back of me my car was not drivable. I just bought a 1999 Toyota Camry perfect condition. I called Hagerty. I only had my car a month. I used Hagerty because they say they specialize in historic cars. When I called them they looked up my so called non existent policy and said that they tried to call me. My online submission was not accepted. They do not insure Camrys. Although that is one of the vehicles on their list. The guy just kept saying the same thing over and over again.

We are a 4 person family in a house (1 with no driving license) and I have a classic car and 3 other normal cars. They said because we are 4 people in the house, everyone must have 1 car each for them to be able to insure my classic???? So they want me to buy a car to someone with no driver's license just so Hagerty can insure me? LOL. Also keep in mind, if you are unfortunate enough to have an insurance with them, keep in mind you CANNOT sell your car or they will void your insurance. HUH?? Not to mention they treated me like a criminal on the phone saying they checked satellite look of my address and they couldn't see a garage?? AVOID AT ALL COSTS

Updated on 07/30/2024: I would give Hagerty/Essentra/others they use a 0 if I could. I took it as far as I could, the COO and she just sent it back down. No one took any real time to look at the obvious mistakes they made. Such as even getting the car's color right or the transmission. I believe they are completely dishonest and are "concluding" many claims knowing most will drop because they cannot afford to keep hiring attorneys. I believe they deal clearly in Bad Faith and not in Fair dealing.

On 12/11/22, I rear ended my JDM and after reading all bad reviews of the Hagerty claim process, I thought that I would never have the Delica repaired, or get the guaranteed value. The appraiser called ACE lowballed what it would cost to replace the tailgate, bumper and repair body damage. I took the Delica to body shops and all were unwilling to write an estimate with an excuse that the van is not in their database since it’s for the Japanese market.

They did settle the claim.

Wasted a lot of time with Hagerty getting a quote and submitting personal info for coverage on my classic Land Rover. They denied me coverage because they think the vehicle is too off roady. It is actually a show vehicle that does not see any road that is not maintained by the DOT. What a waste of time and effort. Not to mention they take days to let you know that they do not want your business.

To best summarize it, I will post unresponsed emails to Hagerty. Hagerty has preferred or approved body shops. Unfortunately they either don't do the old stuff or only do restorations which will be from 40 to 50k that Hagerty won't pay for. So to take to one's own shop and it took 3 months of my own time searching I have a lowball appraisal from Hagerty adjuster that is 10k less than the body shop just starting amount. My numbers matching 1971 GTO I had to forego parts needed just to cover the paint and body and will still owe 7 grand I'm counting on Hagerty will honor.

I was so excited to complete my car, but wanted to wait until it was insured to drive it, In April the agent quoted me a price, but I never received anything in the mail- I expected to get something like a hard copy in my mail- not just email. In May I went back to the website and figured I'd have to make a payment even though I did not receive a written quote or policy in the mail, so I paid the full amount. They wrote the policy starting in April and not yesterday in May, about a month later, but they wanted more money. If my insurance is paid in May I should not be charged for April. What kind of a scam are they running? Using their logic, if something had happened to it in April, then I could file a claim for that time even though I didn't have a policy. What kind of insurance company does that? Not for me. I'm not stupid.

Made an error on my application, so even though I've been driving for 20 years and have had no accidents, have had this vehicle insured for 12 years with no incidents, it appears that because of an application error I am too high risk for Hagerty to insure. I asked for some kind of guidelines or information on if/when I could be eligible again and she didn't want to discuss it, just told me they wouldn't be interested in providing coverage at this time. As though I was speaking to a robot. Not the customer experience I would expect from a highly regarded company.

Staci, one of the adjusters has tons of attitude for no reason, and also never picks up her phone. Anytime I've ever called I always get her voicemail. And after two weeks of trying to reach her, she then went on vacation. They also took a month and a half to still not pay me my payment for a small fender bender that ate up so much of my time at work since I work a 9 to 5. I've spent 20 of my lunches trying to figure this out, and why my payment email wasn't being sent to me. I got 5 different agents to try to help me, and they & their managers said I should've been paid by now but the time keeps ticking and I still have not got the direct deposit email. Absolutely the WORST CLAIMS DEPARTMENT EVER. I work at State Farm, and people would be fired right, and left for this kind of nonsense! #BewareofHagertyOwners

My car was stolen. The details of my claim are within Hagerty's guidelines for total loss. I am starting to consider hiring a lawyer and pursuing a bad faith claim against Hagerty, because they are clearly trying to find any way possible to deny my valid claim.

I started a claim on 3/3/22. I am rapidly approaching 1 month and they still have not finished claim. I have spoken to M** who escalated me to investigation and then C** senior supervisor and then D** her manager and I also reached out to J** which none made any attempt to fast forward and make this horrible experience better. Over a month ago left a voicemail to J** in which her voicemail was per dated Feb as out the office (nobody does work). I asked for her direct number. Was told her information can’t be given as if she doesn’t work for the company. It was no call back, no response. Just empty promises and investigation adjuster that will not return a call or answer the phone.

First off, I had Hagerty in the first half of the 2010s and had no issues. Returned a few years later and frankly these few years back have been like night and day-it is hard to believe how company wide I’ve had issues with quotes, claims, 3rd party tow companies as part of my roadside service (their timing was off and I missed an important medical appointment and had to reschedule), changes to my policy/profile (aka-a divorce yet my wife not removed from my policies), actually getting my driver’s license # correct in their system, them mailing items to an address I told them not to mail to, etc. It’s been a steady comedy of errors that have cost me dozens of hours of my free time over the past few years as well as on Hagerty’s side and has made me miserable over time.

A little background on me. I have been a pilot for American Airlines for 22 years. My FICO score is 4 numbers away from perfect at 846. I had Hagerty for over 20 years, with many cars covered. Several BMW convertibles, 69 GTO convertible, 67 Bronco, etc. In summer 2018 I moved my operation to West Virginia in anticipation of retirement, bought a 195 acre farm with a house and four barns, and another house on the Greenbrier River, right next to Snowshoe Ski resort. I had no claims with Hagerty, they paid nothing for about 20 years, then, I became familiar with West Virginia deer, hitting about three deer on my Geico covered cars. Still nothing with Hagerty.

I started a claim on the 30th of December. I am rapidly approaching 1 month and they still have not finished claim. I have only spoken to adjuster once and that was two days ago. They will not return a call or answer the phone. I call the main claim number and they just leave a msg for the adjuster. "No real help there." I have called the adjusters immediate supervisor and he will not return a phone call either. I guess you really know what kind of insurance company you have until you have to use it. ):

I was perfecting my Rolls- Royce Silver Shadow since 2016 or so, Just had new leather and got caught in worse rain storm I have ever seen in Central Florida in early September, Stressed out but no big deal I'm covered. Called Hagerty Inspector, spent 10 minutes looking over my car and despite me telling him, fuse box was buzzing and smoke from behind dash and cluster, he wrote up an estimate for "wet carpet" in September 2021. Once I took car apart damage was extensive and several local shops said it was a total, but I am keeping my car period, so took it apart, documented all the damage, called Hagerty back and as of today. Not only have I not been paid even for the nonsense "wet carpet" damage I have not even heard back from them at all, other than to shuffle me around to two different claims agent.

Have contacted attorney general of the state of NJ due to Hagerty NOT paying me the total value of the car. AND they will get an adjuster to come and give you a lower ball value of the car and tell you it's in poor shape even if it's MINT! They are dishonest! The adjuster company will come and gouge their prices and inflate the costs of repairs so they give you a lower price of the car....FRAUD!!! BEWARE. They will NOT make a payout on the car of the insurance you have it for. YOU will lose!

On 6/24/2021 My 1968 Chevelle Malibu SS Was Scratched down both sides from front to back on the transport on the way to the Colorado street rod nationals. Today is OCT 12th 2021. Hagerty still has not done anything to resolve this loss. This insurance company is the worst classic car insurer on the planet. Small Claims seem to be no problem for them but if you have a serous issues you are clearly on your own as I have discovered with my experience with them. I guess we will see what happens in court now.

I guess they have made their money. My policy was up for renewal and it had jumped to around $1,000. Seemed really high, so I shopped around and ended up with American Collectors for $600 with greater agreed values and better comprehensive options. I called Hagerty to see if they could do any better, after all I have been a customer with them for close to 10 years w/out a single claim. No can do was their response.

Have had classic car insurance with Hagerty for over 21 years. In all that time I have filed two claims, ironically for roughly the same issue. 10 years ago had an electrical fire in my TR6, Hagerty handled minus the deductible, no questions. 3 months ago I had similar issue with my 1971 Porsche 911, submitted claim, repair shop determined front wiring harness needed to be replaced. Hagerty sent adjuster, he took pictures and I tried for several months to get straight answer from my claims agent Chris. I explained my confusion since Hagerty handled same issue 10 years ago, Chris response was "well I guess you got one over on us".

Strange experience with Hagerty Insurance. I’m 41 with an absolute clean driving record and they would not insure me. I’ve had 1 million dollar commercial truck insurance policies and have owned two performance vehicles in the past but they determined I wasn’t experienced enough to be insured by them. They made this determination after I wasted an hour filling out the application with payment and uploaded proof of regular insurance. The site actually locked me out and I had to find an agent who tried to finish setting up the policy. The agent was then given the decision not to insure me.

Was a great company... Now I do not know think anyone works here... Tried in the morning... During day...Night...Emails...Texts... Live chat... Never once got a person... Been 12 days as of today... Been on hold over 10 hours this week alone...Nothing is worth this... Huge mistake...

Back in 2012, two weeks after purchasing my classic car, a deer ran in front of me. The ensuing collision caused extensive damage. I live in New Brunswick, Canada. After contacting Hagerty, I was transferred over to an adjuster at Aviva in Ontario. I was a little distraught and she was very sympathetic and helpful. Asked me to get several estimates and send by email. Within days they gave me the go ahead to pick the shop that I was most comfortable having do the work. The one I picked wasn't the cheapest by any means but they never batted an eye, just cut the check. I'm on my third classic car and they have all been covered by Hagerty.

I had 10 cars insured with their Private Cars Collection, and it was miserable. They work East Coast hours, always in meetings and you have to speak to them and there is only a few of them. They removed drivers from my policy without notifying me and when I called their response was, "Well it is, what it is." I would NOT use them if you can find any other companies to work with. Maybe if you aren't in the private collection it would be better as we didn't have complaints, as we had them for 5 years no problems and as soon as we went to the private collection it's BEEN AWFUL!!!! THE WORST!!!! WORST TEAM EVER!!!! Just to be specific.

On Dec 8th I make a claim on my covered Windshield. It's now Dec 30th and they are still dealing with my Windshield guy. The car is a 1968 and they spit out a $600 check and closed the claim. The Windshield is $1200!!! No communication with me at all, I have to call them for the disposition of the claim. Bad Faith!

I reached out to Hagerty for a quote. They ask for premium deposits without even approving your car. I waited to speak with someone who can help. After 4 days I got someone on the line to approve my car. But you can't actually talk with underwriting. Only a csr can text message them via intranet. So you can try to convey messages through the phone and have them transcribed to someone that is interpreting your lifetime investment via text in a 60 second decision by someone gathering info via a few sentences on intranet servers.

Hagerty is the best insurance company in the industry. Customer service is top notch, pricing is cheaper than any other company and is the one I recommend if you have classic or expensive super cars that require coverage.

Hagerty in Quebec Canada is non-existent. They sell you a policy with the Hagerty name on it but it is a basic Aviva policy. If you have a claim, no one at aviva knows anything about classic cars, and when you contact Hagerty in the US they refuse to help. DO NOT use Hagerty insurance for classic cars in Canada. It is a complete scam. Don't find out the hard way like I did when I has to make a claim.

1935 Auburn caught fire burnt hood and cowl. They wanted try match it when painted 40yrs ago. All 5 bodyshops plus adjuster even said whole car need to be repainted. Adjuster said up to Hagerty. They wanted to paint only hood and cowl. Said could paint more if doesnt work which stop and start painting doesnt work. So estimate was around $20k. I got $2600 after $2500 deductible! So I cancel 5 collector car and 1 collector Motorcycle Policy! Check your policy and good look if you have a claim!!!

We own a classic car for which we were paying a much higher amount with a better-known company. The quote from Hagerty was far less expensive for more comprehensive coverage. When we needed road service, Hagerty dispatched a tow truck that arrived in record time. Hagerty's dispatcher was honestly courteous (not nice-because-I-am-paid-to-be-nice) and the tow truck operator was incredibly careful, knowledgeable and gregarious. Hagerty is the gold standard for insurance companies. They have competitive pricing and terrific customer service.

I bought a 'Vehicle Under Construction' policy to cover a truck that I was restoring. It was damaged in the process and I was told that Hagerty would basically only cover damages caused by fire or natural disaster. Collision coverage was not made available to me on the policy options that were presented to me since it was in pieces at the time you insured my truck. I thought that by this one being more expensive would cover more not less.