Can I drive my classic car every day?

Is there a way for me to use my classic car as my regular car? I recently sold my Jeep and am down to just my classic car. Now that I have been driving it more, I don't feel the need to get a new car. When I took out this classic insurance policy with Hagerty, they made a big deal about me having a daily driver.

Answer provided by
Shannon Martin
Answered on Jul 12, 2021
Shannon is an expert in personal lines liability insurance with 13 + years of insurance industry experience. She also served as a special insurance liaison to AARP members for 6 of those years. She is a graduate of UL Lafayette and currently resides in NY with her family. Shannon is also an amateur juggler, ukulele player, and is a time travel paradox theory enthusiast.
“The daily driver is one rule that all classic insurance providers have in common.
Since classic cars have such a high value, insurance companies do not want them on the road as frequently as a regular car. Having a required daily driver is a way to ensure that the classic car isn’t driven too often.
Hagerty and every other classic insurance provider adhere strictly to this rule. Hagerty might not be aware that your classic car is your only car at this moment in time. However, if your car is involved in an accident and the annual mileage doesn’t add up, there is a chance the claim will not be honored.
The only way around this rule is to insure your car as a standard vehicle instead of a classic. This would mean if you have full coverage on the car, any collision payout would be for actual cash value instead of the agreed-upon restoration price.”

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