Hagerty Private Client

Hagerty Private Client: Bespoke Coverage for Elite Collections

For collectors who view cars not just as a hobby, but as an asset class, standard specialty insurance is rarely enough.

Hagerty Private Client is an elite, invitation-caliber program designed specifically for high-net-worth individuals, multi-million dollar portfolios, and ultra-high-value classic and modern supercar fleets.

Through our longstanding brokerage relationship with Hagerty and our status as a Hagerty Top Gear Agent®, Classic Auto Insurance provides direct, white-glove access to this premier program. We do not just place policies; we manage complex, evolving automotive portfolios with the highest level of discretion and expertise.

The Private Client Advantage: How It Differs

While standard Hagerty policies offer industry-leading coverage for individual classic cars, Hagerty Private Client is structured for the complexities of high-value, multi-vehicle portfolios.

Core Features of Hagerty Private Client

1. Value Guard & Market Appreciation Protection

High-value collector cars can experience rapid shifts in market value. Every insured vehicle’s value automatically increases 2% each quarter through Value Guard. If the market moves further and a covered total loss occurs, Market Appreciation Coverage can pay up to 150% of your vehicle’s insured value.

2. Global Transit & Concours Exhibition Coverage

Your collection isn’t always stationary. Whether you are shipping a pre-war classic to the Pebble Beach Concours d’Elegance, participating in an international rally, or transporting a modern hypercar, Private Client coverage protects your vehicles across borders, oceans, and transport methods.

3. VIN Theft & Fraudulent Title Coverage

If your ownership is ever challenged due to title fraud or VIN-related theft, Hagerty Private Client reimburses up to $50,000 in approved expenses incurred to re-establish your ownership.

4. Environmental Exposure Assessments

Sophisticated predictive modeling of catastrophic events — flood, wildfire, coastal storms, and more — helps you understand your collection’s exposure before a loss occurs, not after.

5. Bespoke Fleet & Daily Driver Integration

For qualified Private Client portfolios, Hagerty can coordinate a unified policy structure. This allows you to manage your vintage race cars, modern exotics, and high-end daily-use luxury vehicles under a cohesive, streamlined insurance framework.

Why Access via a Top Gear Agent® Matters

Navigating high-net-worth underwriting requires a broker with direct, specialized access. Classic Auto Insurance’s standing as a Hagerty Top Gear Agent® provides exclusive advantages for our Private Client accounts:

• Direct-to-Underwriter Access: We bypass general agency channels, placing your portfolio directly with Hagerty’s Private Client senior underwriting team for custom risk assessment.
• In-Person Collection Valuations: We coordinate with Hagerty’s elite valuation specialists to perform physical, on-site assessments of your collection to ensure your agreed values are accurate.
• Concierge-Level Claims Advocacy: In the event of a loss, your claim is handled by a specialized Hagerty Private Client adjuster. Classic Auto Insurance acts as your personal advocate, ensuring rare parts are sourced globally and repairs are completed by your preferred marque specialists.

Eligible Assets for Private Client Portfolios

Hagerty Private Client is designed for highly curated collections, including:

• Multi-million dollar vintage fleets (pre-war, post-war, and blue-chip classics)
• Modern supercars & hypercars (LaFerrari, Porsche 918, McLaren, Bugatti, etc.)
• Historically significant race cars (with optional track and transit endorsements)
• Low-mileage “modern classics” of exceptional rarity
• Significant automotive memorabilia and spare parts collections associated with the fleet

Hagerty Private Client FAQs

What is the minimum threshold for Hagerty Private Client?

Hagerty Private Client is designed for collections with a total insured value of $500,000 or more — whether that’s a single exceptional vehicle or a full multi-car portfolio. Eligibility is assessed collection by collection, so contact our team even if you’re unsure whether you qualify.

How does Value Guard and Market Appreciation Coverage work?

Collector vehicle values can move quickly. Under Private Client, each insured vehicle’s value automatically increases 2% every quarter to help keep pace with the market. If the market moves further and a covered total loss occurs, Market Appreciation Coverage can pay up to 150% of your vehicle’s insured value.

Can I choose my own restoration and repair shop under a Private Client policy?

Yes. Hagerty Private Client recognizes that rare, high-value, and exotic vehicles require specialized hands. You retain the right to choose the marque-specialist restoration shop or certified collision center of your choice.

What happens if a vehicle’s title or ownership is disputed?

Private Client includes VIN Theft & Fraudulent Title Coverage, reimbursing up to $50,000 in approved expenses incurred to establish your ownership if your vehicle is affected by title fraud or VIN-related theft.

How does global shipping coverage work?

If you are transporting a vehicle internationally for a show, rally, or sale, Private Client can extend coverage to include ocean marine transit, foreign road risk, and international exhibition liability.

Does Hagerty assess my collection’s exposure to natural disasters?

Yes. Private Client includes Environmental Exposure Assessments — predictive modeling of catastrophic risks like flood, wildfire, and coastal storms — so you understand your collection’s exposure before a loss occurs, not after.

Can high-end daily drivers be included on a Private Client policy?

In many cases, yes. Hagerty Private Client can coordinate with strategic high-net-worth partners to help wrap daily-use luxury vehicles, watercraft, and other high-value assets into a cohesive private client relationship.

Contact Classic Auto Today

Protect your legacy with the precision it deserves. Contact Classic Auto Insurance today to speak with a senior Private Client advisor. We will conduct a comprehensive review of your collection and coordinate a tailored proposal directly through Hagerty Private Client.

Legal Disclaimers & Trademarks 

Hagerty, Hagerty Drivers Club, Guaranteed Value, and Top Gear Agent are registered trademarks of The Hagerty Group, LLC. Private Client is subject to specialized underwriting guidelines, policy provisions, and state availability. Classic Auto Insurance is an independent insurance agency and is not itself the underwriter of these policies.