Auto coverage from The Hanover
The Hanover offers a range of auto coverage in order to help you protect your customer's total account and capture new business, while providing value and peace of mind to your customers.
The Hanover offers auto coverage as part of bundled Platinum or Prestige accounts. For customers with standalone auto coverage, The Hanover offers Connections auto policies.
Hanover Platinum
Our Platinum home and auto insurance is our most popular packaged solution, offering exceptional coverage, the convenience of a single account and valuable savings.
Customers receive a wide range of benefits with Platinum that go beyond coverage.
Hanover Prestige
Hanover Prestige is our offering for higher-value homes and autos. With Prestige, customers benefit from powerful protection, flexibility of choice and caring service, as well as a suite of auto coverage options that protect your customers and the value of their car.
Platinum auto coverage
In addition to a base auto policy, Platinum protection can include:
- Original equipment manufacturer (OEM) parts*
- Mechanical parts replacement
- Child passenger restraint system replacement
- Waiver of deductible
- Ultimate rental
- Vehicle key replacement coverage
- Second chance accident forgiveness
- New car replacement guard
- Deductible dividends
- Accidental airbag deployment
- Pet injury protection
- Rental car coverage (diminished value, loss of use and reasonable fees)
- Trip interruption coverage
- Home care services
Prestige auto coverage
Hanover Prestige Auto comes with global rental coverage, providing world-wide rental coverage including liability, physical damage, loss of use and diminished value for the rented vehicle. Plus, customers can choose any or all of the following a la carte options:
- Prestige rental upgrade—Provides up to $6K in rental car coverage with no daily limit.
- Prestige travel companion—Coverage of $250 for towing and roadside assistance, $1K for trip interruption, and $2,500 for pet injury protection.
- Prestige lifetime OEM—Original equipment manufacturer (OEM) parts and mechanical parts will be used, regardless of model year.
- Prestige new car extender—Provides full replacement cost for vehicles in their first three model years. Vehicles older than three model years will receive the actual cash value
| Coverage | Connections | Platinum | Prestige |
|---|---|---|---|
|
Child passenger restraint |
Essential | ||
| Ultimate rental | Essential | ||
| Waiver of deductible | Essential | ||
| Vehicle key replacement | Essential | ||
| Vehicle coverage enhancement (OEM + mechanical parts) | Essential | ||
| Second chance accident forgiveness | DriveSmart Advantage | Advantage | |
| Deductible dividends | DriveSmart Advantage | Advantage | |
| New car replacement | DriveSmart Advantage | Advantage | |
| Newer car replacement | DriveSmart Advantage | Advantage | |
| Accidental airbag deployment | Reassurance Plus | Elite | |
| Additional funeral expense | Reassurance Plus | Elite | |
| Rental car coverage | Travel Right | Elite | |
| Trip interruption | Travel Right | Elite | |
| Pet injury | Travel Right | Elite | |
| Rental coverage upgrade | Elite | ||
| Home care services | Elite | ||
| Prestige global rental | Included | ||
| Prestige rental upgrade | Optional | ||
| Prestige travel companion | Optional | ||
| Prestige lifetime OEM | Optional | ||
| Prestige new car extender | Optional |
Additionally, we offer several of our most popular coverage options a la carte so that you can tailor coverage to fit your customer's needs.
- Second chance accident forgiveness
- New car replacement guard
- Newer car replacement guard
- Deductible dividends
- Rental coverage upgrade
- Home care services
- Prestige rental upgrade
- Prestige travel companion
- Prestige lifetime OEM
- Prestige new car extender
- Excess custom equipment
- Excess electronic equipment
- Travel right (includes trip interruption, pet injury and rental car coverage)
- Full/preferred glass coverage
- Reassurance plus (includes accidental airbag deployment and accidental death benefit)
- Roadside assistance
- Extended non-owned
- Agreed value
Coverage not available in all states and limits may vary. Please refer to your agent guides for more details.
With The Hanover, you can can offer your customers substantial discounts and savings, including:
- Total account credit
- Paid-in-full discount
- Anti-theft devices
- Safety features (e.g., anti-lock brakes, additional airbags, etc.)
- Accident prevention courses
- Multiple-vehicle policies
- Youth discounts (such as student away at school and good student)
- SafeTeen - safety and savings program with discounts for accounts with teen drivers
Hanover Platinum
Our Platinum home and auto insurance is our most popular packaged solution, offering exceptional coverage, the convenience of a single account and valuable savings.
Customers receive a wide range of benefits with Platinum that go beyond coverage.
Hanover Prestige
Hanover Prestige is our offering for higher-value homes and autos. With Prestige, customers benefit from powerful protection, flexibility of choice and caring service, as well as a suite of auto coverage options that protect your customers and the value of their car.
Auto coverage resources
The Hanover offers auto insurance coverage resources for you and your customers. You can access our library of ready-to-use marketing materials for agents on TAP Marketing.
Resources for you
Use this content to learn more about The Hanover's auto coverage offering. Find more agent resources in TAP Marketing.
Explaining auto insurance trends [PDF]
Platinum and connections comparison overview [PDF]
Platinum home and auto coverage overview [PDF]
Platinum protection overview [PDF]
Connections auto overview [PDF]
Resources for your customers
These pieces can help explain the different auto coverage options to your customers. Find more resources in the Prepare now. Learn how. content library.
Rental car insurance sell sheet [PDF]
Crash course on what do after a car accident
Four coverages for your four wheels
Why are auto insurance rates rising [interactive infographic]
Why am I paying more for auto insurance [video]
Don't let a totaled car total your wallet
Eight ways to make the most of your insurance dollars
Learn about the ABCs of original equipment manufacturer (OEM) parts [infographic]
More drivers have no insurance
Benefits of new car replacement coverage
Protect your purchase with new/newer car replacement coverage [video]
Mechanical parts replacement coverage made clear [video]
Questions about auto coverage?
Contact your underwriter for more information.