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I went through this ordeal too when AAA refused to increase my coverage amount. Hagerty was one of the only companies that did NOT say I could not drive it to work. Rather, they merely state that it cannot be my "daily commute vehicle" or "daily driver." They also asked how many miles a year will be for club events and how many will be "pleasure" miles. I think I said 1,000 club event miles and 4-5,000 pleasure miles. No questions and no problems. Agreed value coverage and no appraisal required (although I do have a current appraisal).

I've know several club members insured with Hagerty who have had accidents and they have had NO difficulty with claims. Their testimonials make the Hagerty policy more valuable to me than some of the less costly (only slightly) policies available.
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