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If you have a classic bike or a pricey ride, start by getting a quote from Hagerty. Hagerty specializes in motorcycle insurance for classic and collector racing bikes. That means you can insure your bike for its full agreed value and get repaid its full replacement cost during an accident.
However, not all coverage options may be available in your area, and you’ll need separate coverage for on-the-track motorcycle racing. And higher limits won’t come cheap, especially for a collector’s edition. But you might pay more by underinsuring your precious ride with a standard policy.
How to apply for Hagerty motorcycle insurance
The main way to apply for Hagerty motorcycle insurance is through its online quoting process:
Online. Follow these steps to apply online:
Go to the company’s motorcycle homepage, then enter your ZIP code and click Quote now.
Enter details about your motorcycle and its use, then provide personal information.
Confirm your information and submit to get your quote.
Choose to proceed with coverage.
Phone. If you have policy questions, feel free to call 877-922-4951.
What info do I need to apply?
Have these key pieces of information on-hand to move quicker through the application process:
Motorcycle details: make, model, year and value
Home address and phone number
Driver’s or motorcycle license number
What motorcycle insurance discounts can I get with Hagerty?
The company doesn’t list many discounts for its bikes. This could mean that Hagerty either doesn’t provide the same benefits as its competitors or that it lacks transparency. The only discount listed is:
Multivehicle discount. The more bikes you insure with Hagerty, the more you save on your premium.
What motorcycle insurance coverage does Hagerty offer?
Hagerty offers standard coverage to protect your valuable bike on the road:
Bodily injury liability. Pays for medical bills when other drivers or passengers are injured in an accident where you’re at fault.
Property damage liability. Covers vehicle and other property damage during at-fault accidents.
Collision. Provides protection for your own motorcycle so you don’t pay damages out of pocket.
Comprehensive. Protects your bike against non-collision situations like theft, weather damage or falling tree branches.
What extra benefits and add-ons does Hagerty offer?
The company provides a suite of specialty coverage for your specialty motorcycle:
Guaranteed value. Work with a Hagerty expert to set an agreed value for your motorcycle. If a total loss accident occurs, you’ll get the full value of your bike.
Do-it-yourself repairs. Hagerty lets you pick the best repair shop for your bike and even covers you for DIY repairs after an accident.
Spare parts and tools. Cover expensive specialty tools and parts.
Motorcycle apparel. Get your safety apparel covered if it’s damaged in an accident, including your helmet, boots, eyewear and protective clothing.
Specialty roadside service. Hagerty Drivers Club members get this coverage included in their membership. It covers battery service, fluid delivery and guaranteed flatbed towing.
Limited trailer and paddock coverage. Cover your racing bike when it’s in the transport trailer, during loading and unloading, in storage or at the shop. Also includes comprehensive coverage.
Hagerty Drivers Club. Enjoy members-only events, magazines and discounts on motorcycle services and vehicle rentals for $45 per year.
Frequently asked questions about Hagerty motorcycle insurance
Hagerty typically doesn’t require an appraisal. If the company needs further information on your motorcycle’s value, an agent will contact you during the underwriting process.
Bikers must be fully licensed with no state restrictions for a minimum of 10 years.
Hagerty Drivers Club aims to respond to your roadside needs within 60 minutes of your call. Your agent should let you know the expected wait time based on factors such as your location and traffic.
Yes. Hagerty has a dedicated parts specialist whose job entails tracking down replacement parts that may otherwise be difficult to find.
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