Insurance
07-05-2016, 08:37 AM
#1
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Thread Starter
Insurance
Can anybody recommend an insurance company that would cover casual driving, say 100 miles a month (no road rally's or cross country stuff) and winter storage for 6 months? Just took out of 8 year storage and went through the mechanicals. Present company won't insure unless I add liability to all my collector cars. Any thoughts? Thanks, Skip
07-05-2016, 09:18 AM
#2
Team Owner
Contact Adam Boca at the National Corvette Museum....
Most companies now include some pleasure driving and I don't think 1,200 miles a year would be a problem but do your homework...
Most companies now include some pleasure driving and I don't think 1,200 miles a year would be a problem but do your homework...
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07-05-2016, 09:51 AM
#5
Team Owner
Most insurers make a distinction between running local errands and pleasure driving in nearly every case.
As stated above, do your homework.
As stated above, do your homework.
Last edited by Frankie the Fink; 07-05-2016 at 09:52 AM.
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6242 (07-05-2016)
You need to get a life, Bill.
07-05-2016, 10:25 AM
#8
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On a serious note, call Adam at the Corvette Museum.
I switched all my cars to the NCM policy about 3-4 years ago after previously having been with Hagerty.
I switched all my cars to the NCM policy about 3-4 years ago after previously having been with Hagerty.
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6242 (07-05-2016)
07-05-2016, 03:14 PM
#13
Pro
Can anybody recommend an insurance company that would cover casual driving, say 100 miles a month (no road rally's or cross country stuff) and winter storage for 6 months? Just took out of 8 year storage and went through the mechanicals. Present company won't insure unless I add liability to all my collector cars. Any thoughts? Thanks, Skip
mtangerstrom@heacockclassic.com
I have a '59 Vette and a '32 Ford insured with them and my rate is approx. $240 less than a well known company.
I just had a claim on the '32 for over $25,000 [vandels] and they paid up. A little longer than I'd like [37 days]. There was a short time period where I could get into the interior guy. But you can drive to Wally World, Target, or even get an ice cream.
Any questions pm me.
Dennis
07-05-2016, 03:56 PM
#14
Race Director
Keep in mind. It ain't the upfront cost of the insurance, it's the backend, how much of a deductible, who does the work, and how eager they are to make payment. People spend way too much time nit-picking on the upfront cost of the insrance
07-05-2016, 03:59 PM
#15
Le Mans Master
Give Melinda Tangerstrom @ Heacockclassic [American Modern] a call. 800-678-5173
mtangerstrom@heacockclassic.com
I have a '59 Vette and a '32 Ford insured with them and my rate is approx. $240 less than a well known company.
I just had a claim on the '32 for over $25,000 [vandels] and they paid up. A little longer than I'd like [37 days]. There was a short time period where I could get into the interior guy. But you can drive to Wally World, Target, or even get an ice cream.
Any questions pm me.
Dennis
mtangerstrom@heacockclassic.com
I have a '59 Vette and a '32 Ford insured with them and my rate is approx. $240 less than a well known company.
I just had a claim on the '32 for over $25,000 [vandels] and they paid up. A little longer than I'd like [37 days]. There was a short time period where I could get into the interior guy. But you can drive to Wally World, Target, or even get an ice cream.
Any questions pm me.
Dennis
I concur
07-05-2016, 08:31 PM
#17
Le Mans Master
They write policies through American Modern, just like 1000's of other underwriters and they ALL have the same premium. Go with whoever you're comfortable that writes for them.
07-06-2016, 08:15 AM
#19
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St. Jude Donor '20-'21-'22-'23-'24
I have my insurance with the NCM. I asked Adam, specifically, if I can drive my car to the gym (because I'd go more often if I could). He said "no". But, from what I've researched, all the companies have similar restrictions.
As far as Walmart, I don't like driving any car there. It's like an amusement park bumper car ride.
Steve
07-06-2016, 08:30 AM
#20
Team Owner
There is a reason all classic car insurers I've dealt with insist that you have a daily driver vehicle registered in your name in addition to owning a classic car. The reason you get the great premium rates on antique cars, and benefits like "agreed upon" value, is because they don't have the same risk exposure as commuter/daily driver vehicles.
Not hard to understand at all.
Not hard to understand at all.