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They do not mention everything on the website...I've run into this problem before. The one that stopped me (I think it was with Hagerty too) was that the daily driver car you must have CANNOT be older than the car you are insuring. So if you have a 1994 Nissan 300ZX TT and your beater is a 1991 Nissan Maxima (even if insured with another company), they will not insure you. I really can't figure a GOOD reason why that is, but I've run into it a few times. So call them up and talk to a person if you can.
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