Hagerty Insurance for classic Jag

[AnarkyXtra]

Hi all - just a quick question to those who've used Hagerty Insurance before:

I note from their website that they're underwritten by Allianz...does this mean if you purchase you actually get an Allianz policy?

Also, are there significant discounts to be had by going direct to Hagerty as opposed to Allianz?

Sorry...sounds like I'm being picky! Just like to know who I'm going to be insured with.

Any help or advice gratefully received.

[TimCrighton]

Hagerty are simply a broker for Allianz, but must have a decent relationship with them as they where much cheaper for me. I couldn't fault the guys at Hagerty - always really helpful, great customer service

[Chris71]

Another thumbs up for Hagerty. Fantastic service and logic-defying premiums.

[plasticpig]

As much as I would love to use Hagerty they dont allow commuting which means I wouldnt drive my cars as often as I do.

[ridds]

I've used them for 3-4 years now.

Give them a call about the commuting thing. I'm sure when I asked about taking the car to work on the odd sunny day (when we get them) it wasn't a problem. That may have changed though but worth asking. They defiantly won't allow regular use to work though.

[a8hex]

I use Heritage, when I asked about occasionally using the car for business they didn't even raise the premium, they just seemed to think that was a fun idea. The mileage limit stops you using it the whole time.

[tr7v8]

A thumb up for Hagerty from me as well.
One of the few companies that insure the 944 without it being garaged.

[AnarkyXtra]

Thanks for the responses everyone - very helpful.

So being a broker for Allianz, I presume then that Hagerty customers do indeed get Allianz policy docs?

Cheers again!

[TimCrighton]

Yep. Just put in a windscreen claim on the Healey and have to deal with Allianz rather than Hagerty - shame as Hagerty are good and always have a chat about the car etc, but Allianz call centre in Milton Keynes - No Clue! Although at least they do the job Hagerty even recommended having the screen replaced by a specialist rather than an approved glass contractor, although the excess is a tad more (the bill was a lot more so I don't begrudge it!) it gives you the piece of mind of doing the job properly and it has no effect on NCB

[AnarkyXtra]

Great stuff - thanks Tim.

[dirty boy]

Worth pointing out that not only are Hagerty very good on price and service, but, if you have a Hagerty Policy, you are insured on any other car with a Hagerty policy fully comprehensive.

Thus, my cousin can drive my TVR and I can drive his fully comp' without being named drivers.

A nice touch in my opinion.

[lowdrag]

dirty boy said:

Worth pointing out that not only are Hagerty very good on price and service, but, if you have a Hagerty Policy, you are insured on any other car with a Hagerty policy fully comprehensive.

Thus, my cousin can drive my TVR and I can drive his fully comp' without being named drivers.

A nice touch in my opinion.

Are you absolutely sure on this? I've never seen such a policy except for motor traders. Usually it restricts cover to third party only when driving another car.

[dirty boy]

lowdrag said:

dirty boy said:

Worth pointing out that not only are Hagerty very good on price and service, but, if you have a Hagerty Policy, you are insured on any other car with a Hagerty policy fully comprehensive.

Thus, my cousin can drive my TVR and I can drive his fully comp' without being named drivers.

A nice touch in my opinion.

Are you absolutely sure on this? I've never seen such a policy except for motor traders. Usually it restricts cover to third party only when driving another car.

My cousin and I heard the 'rumour' from speaking to a Ferrari Dino owner at the Silverstone Classic on Sunday, we then proceeded to the Hagerty stand and a member of their team confirmed it was true.

HOWEVER.

I have not checked my policy thoroughly to be 100% accurate, we still only have the word of a team member on their stand but one would assume he was correct.

I will check my policy this evening, unless anyone has theirs to hand?

[scovette]

Yes, you are covered to drive another policyholder's car - it's somewhere hidden away in the small print!

[lowdrag]

scovette said:

Yes, you are covered to drive another policyholder's car - it's somewhere hidden away in the small print!

Having spent half my life in insurance I was deeply sceptical about this "statement of fact" so telephoned them. To put the record straight, you are only fully covered if the other car you are driving is also insured with Hagerty.If insured by anyone else, third party not comprehensive cover applies.

So many of these urban myths abound which I never ever credit unless I check myself.

[dirty boy]

lowdrag said:

scovette said:

Yes, you are covered to drive another policyholder's car - it's somewhere hidden away in the small print!

Having spent half my life in insurance I was deeply sceptical about this "statement of fact" so telephoned them. To put the record straight, you are only fully covered if the other car you are driving is also insured with Hagerty.If insured by anyone else, third party not comprehensive cover applies.

So many of these urban myths abound which I never ever credit unless I check myself.

That was how I understood it.

That's a very nice little touch in my opinion.

[ridds]

dirty boy said:

lowdrag said:

scovette said:

Yes, you are covered to drive another policyholder's car - it's somewhere hidden away in the small print!

Having spent half my life in insurance I was deeply sceptical about this "statement of fact" so telephoned them. To put the record straight, you are only fully covered if the other car you are driving is also insured with Hagerty.If insured by anyone else, third party not comprehensive cover applies.

So many of these urban myths abound which I never ever credit unless I check myself.

That was how I understood it.

That's a very nice little touch in my opinion.

The way I understood it was that you are only covered if the car is insured by them. They do not offer 3rd party cover on other vehicles not insured by them.

[dirty boy]

ridds said:

dirty boy said:

lowdrag said:

scovette said:

Yes, you are covered to drive another policyholder's car - it's somewhere hidden away in the small print!

Having spent half my life in insurance I was deeply sceptical about this "statement of fact" so telephoned them. To put the record straight, you are only fully covered if the other car you are driving is also insured with Hagerty.If insured by anyone else, third party not comprehensive cover applies.

So many of these urban myths abound which I never ever credit unless I check myself.

That was how I understood it.

That's a very nice little touch in my opinion.

The way I understood it was that you are only covered if the car is insured by them. They do not offer 3rd party cover on other vehicles not insured by them.

Another oddity?

So to clarify.

You have a car insured with Hagerty, you drive a friends car who is also insured with Hagerty = fully comprehensive cover.

You have a car insured with Hagerty, you cannot drive any car not insured by them. But this would assume you have the second car policy anyway, and covered on your other insurance as a 3rd party driver, again, assuming it's a fully comprehensive policy.

[lowdrag]

Assumptions can be costly. Many every day car policies nowadays exclude the "driving any other car" option, even for third party risks. This particularly applies to the under 30s. My classic car insurers do not include this right on my policy despite my advancing years yet my commuter bus does for example. To be safe, I'd always ask the owner of the other car to ring his insurers to add you for the day/week/whatever even if it costs a few quid. Better safe than sorry.

[RedexR]

This is a really useful thread as I am considering changing to Hagertys next time around , I was with another company who have now suddenly become incorporated in the Footman James group , nothing wrong with that but they were not my choice of insurers in the first place , I wanted specialised insurance for a classic car that also gives me good breakdown cover if I choose to go motoring abroad etc , I bumped into Hagertys at the Bristol Classic show and what really impressed me was that it was managed by people heavily into the classic scene , having classic cars themselves and attending things like the classic Le Mans etc , it just seemed to be a lot more hands on rather than just the usual bean counters in an office somewhere , I realise they are ultimately part of another company but when I rang around for quotes last time around , from supposedly specialist sources (classic car magazine adverts) all I got was a telesales person acting for various parties that just happened to do classics as well. I have already had a competitive quote from them what I really need to know is are there any differences in their cover - small print etc.