Quote:
Originally Posted by lewdog
I think it would. You should call them.
"Classic" is a loose term as they explained. Just really has to be a seldom driven car that you put a total value on. Have to prove you have other daily drivers that you use. I put a total value of the car at $18k with the modifications it has and low miles (29k). Yearly fee determined by replacement part costs and such. Ford is pretty cheap there which helps.
Coverage of 100k bodily injury, 40k uninsured motorist, $500 deductible for parts.
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You need to read your policy and make sure it doesn't say this: dated 9-17
No Mileage Limitations: You can use your vehicle in collector activities, exhibits and parades without any mileage restrictions.
Mine (my Haggerty policies) give me the same coverage as my primary car and had to show coverages (fax declaration sheet). I assume you did the same? They gave me an option to reduce the liability, which i did not do, because I carry very high limits. there were no options, what I covered my primary car with is what they insured them for. My mileage is not unlimited but is instead Not a daily driver or commuting vehicle... There are no mileage numbers listed. I read that on newer cars they max at 2500 miles.
So you have a 100k/300k/100k with 40K uninsured bodily injury? $500 parts deductible. How is that considered a parts deductible? Mine is comprehensive and covers anything even caustic bird poop.
(I had a go round with Farmers 30 years ago over this.) Is that the same coverage as your DD or where you able to pick deductible and liability limits?
I was looking at their website and it said to be on "collector" policy it has to be over 25 years old. So, I guess they are increasing their base by underwriting/ insuring "classic" cars. I see where they will write policies on new cars under another (MVP) program.
I just went and got my Haggerty bill and there was a notation on the second page that they will accept "select" newer "classic" vehicles and noted that even if my 2005 wasn't a super car, it was accepted and to call for a quote. So I guess they are all doing that now.
Thanks for the heads up on Classic Insurance. I probably would have missed it again next year if you didn't mention it. I'm not changing co's as I like where I am and like I said I had a $20K claim and they were straight forward and fast. They also didn't raise my rate when I replaced it on the policy or renewed other cars.
There is a funny letter posted on one of my car sites where Grundy turned down a customer for listing on his application a 2010 Trek bicycle, along with another car, and because they couldn't confirm insurance on it they denied him coverage...
