FWIW, the reason that I don't have Hagerty - despite their stellar reputation - is when I spoke to their reps about my driving habits, and really pinned them down over it, the answer was, "we can't guarantee that we would cover outside of reasonable pleasure use". I asked if I could drive the car to work three days a week, and was told no, then it counts as a daily driver. Now, I don't know how they would verify that I had only driven my car one or two days a week if something were to happen, so I suspect that I would be covered in that instance anyways. But, that's not a game I really want to play with a $50,000+ irreplaceable car.
Incidentally, even if I wanted their insurance, they wouldn't give it to me. Said I drive too many miles, go to many places, use it too frequently as a daily. I've got a completely clean driving record, not in a high-risk group or anything like that. I have called many, many times over the past decade and the answer is always the same. Funny enough, for a while they were using a picture of Jane on their website cost valuation tool... I pointed that out and they STILL said I couldn't have their insurance 😂 Bastards
I ran this exact scenario past multiple reps and all of them were like, "nooooooo" lol