Someone else can drive your collector car while it is covered under a Hagerty insurance policy, provided they meet specific underwriting requirements and program guidelines. Hagerty generally allows family members, friends, or other trusted individuals to operate the insured vehicle at the owner's discretion, as long as they are fully licensed drivers with clean driving records and no major traffic infractions. However, the vehicle must still be used in accordance with the policy’s approved recreational usage rules—meaning it cannot be used for routine daily commuting, commercial tasks, or regular errands. Additionally, all licensed drivers in the primary policyholder's household must maintain their own separate daily-use vehicles and insurance policies to qualify for coverage.