Hagerty Investor Presentation Deck

Decades of Underwriting Drives Predictably Low Loss Ratios Under 40% Resulting in an additional 10% contingent underwriting commission (CUC) annually since 2010 Hagerty U.S. Auto Loss Performance vs. Industry Top 100 Total Loss Performance 80 60 60 30 20 2010 Hagerty Loss Ratio - average = 38% Industry Loss Ratio - average = 66% 2013 2014 2015 2016 2017 Til 2020 Stable and Predictable Loss Performance well below Industry Average 501 Multi-dimensional first-party data advantage → Decades of claims data → 40,000 vehicles in Hagerty Valuation Tools → Effective pricing of risk to maintain low loss ratios → Engaging, seamless member experience and cross-selling → Well-positioned to mine the full auto enthusiast TAM 15

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