Manage Hagerty

How to cancel hagerty in canada and protect your refund rights

What hagerty is and why you might cancel

Hagerty is a specialist insurance and automotive lifestyle company serving Canadian classic and collector vehicle owners. The company offers two main products: the Hagerty Drivers Club membership, which grants access to exclusive automotive content and benefits, and specialized insurance coverage designed for pleasure-use classic vehicles. You may already know Hagerty for its agreed-value coverage, which means your classic car is insured for the amount you and Hagerty agree it is worth, rather than its market value on the day of a claim.

Many Canadian drivers appreciate Hagerty's expertise in classic vehicles, but your needs change. You might be cancelling because you sold your classic car, found cheaper coverage elsewhere, or simply no longer use the membership benefits. Whatever your reason, Stopee is here to guide you through the process step by step so you keep control of your money and timeline.

When you should consider cancelling hagerty

You have solid reasons to cancel if your classic vehicle is no longer in regular use, you have switched coverage to another insurer, or your membership renewal is coming up and you want to stop the automatic charge. If you cancel your Drivers Club membership within the first 60 days of your annual term, you qualify for a full refund, which makes early cancellation financially smart. Stopee recommends reviewing your renewal date now so you do not miss this window.

When you should not cancel (yet)

Keep your Hagerty insurance active if you still drive your classic vehicle and have active coverage. Cancelling mid-term without understanding your province's free-look period could leave you without coverage or cost you money. Similarly, if you are within the 60-day refund window for your Drivers Club membership, waiting a few extra days might mean losing your full refund entirely. Contact Hagerty first to confirm your exact renewal date and any refund eligibility.

Your consumer rights in canada and how they protect you

Canadian consumer protections for insurance vary by province, which means your cancellation and refund rights depend on where you live.

Statutory protections across canadian provinces

Most Canadian provinces include a "free-look" or "cooling-off" period in insurance regulation, typically 10 to 14 days from the policy issue date. This period allows you to cancel a newly issued insurance policy and receive a full refund if you change your mind. However, this right is provincial law, not Hagerty's choice, so it applies whether or not Hagerty advertises it. Stopee advises you to contact your provincial insurance regulator to confirm the exact window in your province.

For the Hagerty Drivers Club membership, Canadian members receive a specific 60-day full-refund guarantee within the current 12-month term. This is Hagerty's own policy, not a statutory requirement, but it is more generous than most provinces' insurance free-look periods. After 60 days, you can cancel at the end of your term, but you will not receive a prorated refund.

What to do if hagerty refuses your refund

If Hagerty denies a refund you believe you are entitled to, escalate to your provincial insurance regulator. In Ontario, contact the Financial Services Regulatory Authority (FSRA). In British Columbia, reach the Insurance Council of British Columbia (ICBC). In Alberta, contact the Insurance Council of Alberta. Every province has an insurance regulator empowered to investigate complaints and enforce consumer protection rules. Document your cancellation request, the date you submitted it, and Hagerty's response, then file a complaint with your regulator. Stopee has helped thousands of consumers recover unfair charges by escalating to the regulator rather than giving up.

How to cancel hagerty step by step

Cancellation methods differ slightly depending on whether you are ending your Drivers Club membership or your insurance policy.

Cancel your hagerty drivers club membership

1. Contact Hagerty directly using one of these methods:
   • Email: auto@hagerty.ca
   • Phone: 1-800-922-4050
2. State clearly: "I want to cancel my Hagerty Drivers Club membership effective immediately" or name the specific date you want cancellation to take effect.
3. Provide your full name and Drivers Club membership number (found on your confirmation email or membership card).
4. Confirm whether you want immediate cancellation or cancellation at the end of your current term (if you are within 60 days, immediate cancellation triggers your full refund).
5. Ask the representative for a confirmation number and expected refund timeline, then note it in writing.
6. If you cancel by email, send it from the email address associated with your account. Wait 2 to 3 business days for a reply. If you do not receive confirmation, call to verify.

Cancel your hagerty insurance policy

1. Decide your cancellation method. You have three options:
   • Email: auto@hagerty.ca
   • Phone: 1-888-348-9369
   • Registered mail (raccomandata A/R) to the Hagerty Canada address (see end of this guide)
2. Prepare the following information before you contact Hagerty:
   • Your policy number
   • Your full name
   • The effective cancellation date you want (for example, "I want this policy cancelled effective 15 March 2025")
   • Whether you want immediate cancellation or cancellation at your next renewal date
3. For email or phone: Contact Hagerty using one of the methods above. Clearly state you are cancelling your insurance policy, not just the membership. Provide all the information listed in step 2.
4. For registered mail:
   • Write a signed letter including your policy number, full name, and requested effective cancellation date.
   • Send it by registered mail (raccomandata A/R) so you receive proof of delivery.
   • Keep the proof of delivery receipt - this is your proof the cancellation was submitted on time.
5. Confirm with Hagerty the effective date of your cancellation and when coverage will end.
6. Request written confirmation of cancellation by email. If you cancelled by registered mail, follow up by phone a few days after delivery to confirm receipt.

Pro tip: If you are cancelling by phone, note the date, time, representative's name, and confirmation number. If you cancel by email, save the reply. If you use registered mail, photograph both the completed letter and your proof of delivery receipt. This documentation protects you if a dispute arises later.

Refunds, timelines, and what you get back

Your refund eligibility and timeline depend on the product you are cancelling and how far into your term you are.

Hagerty drivers club refund policy

If you cancel your Drivers Club membership within the first 60 days of your current 12-month term, you receive a full refund of your membership fee. Hagerty typically processes refunds within 14 business days of your cancellation request, issuing payment to the credit card or bank account associated with your membership. Check your account statement 15 to 20 business days after cancellation to confirm the refund has arrived. If it has not, contact Hagerty again and request a refund status update.

After day 60 of your term, you can cancel, but only at the end of your annual term, and you will not receive a prorated refund. For example, if you cancel on day 200 of your 365-day term, your membership will end at the 365-day mark, and you will not receive a refund for the remaining days.

Hagerty insurance policy refund policy

Insurance refunds vary by province and the terms of your specific policy. If you are within your provincial free-look period (typically 10 to 14 days), you are entitled to a full refund by law. Contact Hagerty immediately if you want to use this right. Stopee recommends checking your policy documents or asking Hagerty directly: "What is the free-look period under my policy and [your province's] insurance regulations?"

Beyond the free-look period, Hagerty may offer a prorated refund if you cancel mid-term, but this is not guaranteed. Some provinces require it; others do not. Always ask Hagerty whether you qualify for any refund before you cancel, and confirm the timeline in writing.

Timeline from cancellation to coverage end

What happens after you cancel hagerty

Ending your relationship with Hagerty is a significant step, and it is natural to worry about loose ends or surprise bills.

Coverage and access end immediately or on your chosen date

Once Hagerty confirms your cancellation, your insurance coverage or membership access ends on the effective date you specified. If you chose immediate cancellation, your coverage ends that day. If you scheduled cancellation at your renewal date, coverage continues until that date. Warning: Do not cancel your insurance policy until you have coverage in place with another insurer. A gap in coverage leaves your vehicle uninsured and may violate provincial insurance requirements if you drive it during that gap.

Automatic renewals stop

Hagerty will not automatically renew your membership or charge you at the next renewal date. However, Stopee recommends confirming this in the cancellation confirmation email. If you receive an unexpected charge after your cancellation date, contact your bank or credit card issuer immediately and file a dispute. Then follow up with Hagerty to find out why the charge occurred.

Keep records of your cancellation

Retain every piece of documentation related to your cancellation for at least two years: cancellation confirmation emails, confirmation numbers, proof of delivery (if you used registered mail), refund confirmation, and bank statements showing the refund. If Hagerty later claims you still owe money or disputes the cancellation, these records are your proof.

Common cancellation mistakes and how to avoid them

Cancelling a membership or policy should be straightforward, but details matter, and Hagerty's systems can generate confusion if you are not careful.

Mistake 1: cancelling too late to qualify for a refund

The 60-day refund window for Hagerty Drivers Club membership closes fast. Many customers realize too late that they have lost their refund eligibility. Pro tip: Check your confirmation email right now for your membership start date, calculate day 60, and mark it on your calendar. If you are already past day 60, cancellation is still possible, but you will not receive a refund until your term ends.

Mistake 2: only contacting via email and not following up by phone

Email confirmation can take 2 to 3 business days, and sometimes it gets lost. If you contact Hagerty by email, follow up with a phone call within 24 hours to confirm receipt and ask for a confirmation number over the phone. This gives you two documented proof points instead of one.

Mistake 3: cancelling your membership but forgetting your insurance policy

Hagerty Drivers Club and Hagerty insurance are separate products. You can cancel one without the other. If you intend to cancel both, submit separate cancellation requests for each. If you only cancel the membership and keep the insurance, you will continue to be charged for the insurance. Contact Stopee's guides if you are unsure which product you have.

Mistake 4: not confirming your effective cancellation date

Telling Hagerty "I want to cancel" is vague. Always specify: "I want my membership/policy cancelled effective [specific date]." If you say "immediately" but Hagerty interprets that differently, you might have a dispute. In writing (email or registered mail), include the exact date you want the cancellation to take effect.

Mistake 5: failing to verify the cancellation actually happened

Do not assume cancellation went through. Wait 3 to 5 business days, then log into your Hagerty account (if you still have access) or contact Hagerty again to confirm the cancellation is active. Ask: "Can you confirm my policy/membership is now cancelled as of [date]?"

Pricing and membership options

Understanding what you are paying for helps you decide whether cancellation is the right choice.

Pricing varies by location, the classic vehicle you are insuring, and coverage options. Hagerty does not publish a fixed rate sheet online. Contact them at 1-888-348-9369 or auto@hagerty.ca to request a quote or current pricing.

Your cancellation checklist

Use this checklist to ensure your cancellation is complete and your refund is protected.

• Confirm your membership or policy start date and calculate your day-60 deadline (for Drivers Club).
• Gather your policy or membership number, full name, and desired cancellation date.
• Choose your cancellation method: email, phone, or registered mail.
• Submit your cancellation request and keep a copy or screenshot of the confirmation.
• Note the date, time, representative's name (if by phone), and confirmation number.
• If by email, wait 2 to 3 business days for a reply. If by registered mail, keep your proof of delivery.
• Call Hagerty 3 to 5 business days later to confirm the cancellation is active in their system.
• Check your bank account or credit card 15 to 20 business days after cancellation for your refund (if eligible).
• Store all documentation for at least two years.
• If no refund appears or a charge still posts, contact your bank and file a dispute, then escalate to your provincial insurance regulator if needed.

How stopee helps you stay in control

Cancelling a membership or insurance policy should not feel risky or complicated. Stopee is a consumer advocacy platform dedicated to making cancellation transparent, fair, and fast. Our guides walk you through every step, flag the traps you need to avoid, and remind you of your legal rights. Whether you are cancelling Hagerty or another subscription service, Stopee has helped thousands of consumers recover unfair charges, secure refunds, and take control of their spending.

Visit Stopee.com today to explore guides for other services, track your cancellations, and learn how to exercise your consumer rights with confidence. Stopee empowers you to make cancellation decisions based on facts, not fear.

Contact information and mailing address

If you choose to cancel by registered mail, send your signed cancellation letter to the following address. Include your policy number, full name, and requested effective cancellation date. Use registered mail (raccomandata A/R) and keep your proof of delivery receipt.

Hagerty Canada mailing address:

Hagerty
Auto@hagerty.ca
[Confirm current address with Hagerty by phone at 1-888-348-9369 or 1-800-922-4050 before sending, as mailing addresses can change.]

For immediate cancellation assistance, call Hagerty at 1-888-348-9369 (insurance) or 1-800-922-4050 (Drivers Club membership) during business hours. Document the date, time, and confirmation number provided by the representative. Stopee recommends always requesting written confirmation of your cancellation via email to create a permanent record.