I hear that a lot but I'd sure like to see it quoted from an actual policy from Hagerty.
I could be wrong but mine says:
Antique vehicle" means a motor vehicle 25 years or more of age that:
1. Is maintained primarily for use in car club activities, exhibitions, parades, other functions of public interest or for a private collection; and
2. Is used only infrequently for other purposes.
It seems to me that the other purposes line covers using the vehicle for what it was built for and frequency is totally subjective. They may say once a year is frequent but I would say frequent is daily. Same for trailer towing. Lot of mentions of a trailer but I can't figuer out where it says I can NEVER tow one.