I use Hagerty because it has restrictions I could live with, but all the specialty insurers have restrictions in the fine print, mileage, modern car, no speed events or hillclimbs, etc. Regular insurance does not have the restricions. When I go to a hillclimb, I add the A to my regular insurance then take it off after the meet. Pay for the additional car for a month then get a refund for the rest.
Hope and pray that you never have a claim with the Hag. I did, and i wasn't impressed in the least with their service. No return calls, sent me the estimate in a check for $700 less than the repair when if they would have asked, i'd have the insurance co send the check to the shop...and road svc? The nearest contact they have for me is a mere 90 miles away. I was 1 day away from losing my license over their ineptness to not even be capable of notifying S.C. like our state law asks. If it wasn't for my constant gnawing at the bit, i would have been in deep muck over them. You don't know what kind of insurance co. you have until you need them.I have Hagerty but am starting to rethink it. Hagerty is doing that 365 days in a model A where it is being use as the eveyday car. It is kinda of a slap in the face to us policy holders that are not allowed to do the same. It's do as I say not as I do. my 2 cents
I have JC TAYLOR AND THEY HAVE NO MILEAGE RESTRICTIONS.