NCM insurance coverage
Thread Starter
Melting Slicks
Joined: Jun 2016
Posts: 2,232
Likes: 2,365
From: SF Bay Area CA
NCM insurance coverage
I'm considering using NCM for insurance as my carrier is pretty expensive.
My car is going to be a weekend toy, going to wine country, taking the wife to dinner, cruises with friends, that kind of thing, though the coverage seems a bit strange. I've seen some chatter about how limited the coverage is for what you're doing. Anyone had any trouble with claims if they were going out to dinner or running errands in the car, with NCM? Their FAQ on coverage is a bit contradictory.
My car is going to be a weekend toy, going to wine country, taking the wife to dinner, cruises with friends, that kind of thing, though the coverage seems a bit strange. I've seen some chatter about how limited the coverage is for what you're doing. Anyone had any trouble with claims if they were going out to dinner or running errands in the car, with NCM? Their FAQ on coverage is a bit contradictory.
Melting Slicks
Joined: Jun 2004
Posts: 2,071
Likes: 1,351
From: Macon GA
…don’t forget to check out Haggerty!
As long as you have more cars than people with a license in your household, I have no doubt they’re gonna be able to hook you up! Been with them for years!
As long as you have more cars than people with a license in your household, I have no doubt they’re gonna be able to hook you up! Been with them for years!
Race Director
Joined: Apr 2017
Posts: 13,599
Likes: 12,854
From: Virginia
I'm considering using NCM for insurance as my carrier is pretty expensive.
My car is going to be a weekend toy, going to wine country, taking the wife to dinner, cruises with friends, that kind of thing, though the coverage seems a bit strange. I've seen some chatter about how limited the coverage is for what you're doing. Anyone had any trouble with claims if they were going out to dinner or running errands in the car, with NCM? Their FAQ on coverage is a bit contradictory.
My car is going to be a weekend toy, going to wine country, taking the wife to dinner, cruises with friends, that kind of thing, though the coverage seems a bit strange. I've seen some chatter about how limited the coverage is for what you're doing. Anyone had any trouble with claims if they were going out to dinner or running errands in the car, with NCM? Their FAQ on coverage is a bit contradictory.
Basically, you have to stay under your annual agreed upon mileage, can't drive to work (unless you select the limited drive to work option) and you have to have another vehicle (daily driver) insured and registered as do other drivers in your family.
Last edited by Kevin A Jones; Sep 25, 2022 at 02:37 PM.
Race Director
Joined: Apr 2017
Posts: 13,599
Likes: 12,854
From: Virginia
I checked Haggerty pricing for my last Corvette before my current thinking they would be competitively priced however they were almost double NCM for the same coverage.
Pro
Joined: Jul 2013
Posts: 590
Likes: 34
From: Middle Tennessee
I also thought the quote I received from NCM Insurance was a little pricey considering the restrictions. After comparing the rates with my current carrier, I was quoted a rate that was only $90 more a year for the same coverage and no restrictions. That was an easy decision for me and happy I won't have to worry about violating any restrictions.
Racer
Joined: Oct 2013
Posts: 288
Likes: 126
Keep in mind NCM is the agent, while they can and do write from various insurance companies, I believe the majority are from American Modern, so you can go online and Google American Modern Insurance reviews and see what results you find. You can also buy American Modern from Heacock, or a lot of various sources, and compare to Grundy, Hagerty, etc.
Thread Starter
Melting Slicks
Joined: Jun 2016
Posts: 2,232
Likes: 2,365
From: SF Bay Area CA
I tried Hagerty, and I do have more cars than people, and it said it wouldn't take it. I assumed it was because it was a new car. I should try calling them.
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Burning Brakes
Joined: Jul 2021
Posts: 1,020
Likes: 760
From: Tampa Bay, FL
I used NCM for my MR2, my previous Mustang and now my C8. I cross shopped NCM and Hagerty several times. NCM was always a much better deal and better coverage. Don’t use the online quote tool. It’s not at all accurate. Call them up and have a phone quote done. It’s fast and easy and the people there are great to talk to. They have multiple discounts you can get. I pay $560/yr for full coverage. In Florida where insurance costs are crazy high. The MR2 is $220/yr.
CF Community Team
Joined: Apr 2016
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From: Pittsburgh
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With NCM, you will need to have a car for every licensed driver in your home not counting the Corvette, that restriction was a no-go for me
Advanced
Joined: Sep 2019
Posts: 65
Likes: 16
From: New Braunfels, Texas
I use NCM for my 2023. American modern policy. Had one claim already. Windshield..no problem getting repaired. Rates reasonable.
Use Hagerty for my other collector cars. (4). No claims. Reasonable rates. Great service. Call for help. Agents are super. Hagerty club is worth 50 dollars per year.
Use Hagerty for my other collector cars. (4). No claims. Reasonable rates. Great service. Call for help. Agents are super. Hagerty club is worth 50 dollars per year.
Melting Slicks
Joined: May 2002
Posts: 2,780
Likes: 1,481
From: Savannah GA
I had a claim on my GTM when I had it insured with NCM (American Modern). They were excellent to deal with, gave me the full amount that my independent shop of my choice quoted, even though they had to do their own evaluation. But their investigator was fast, thorough, and nice to work with. He was a car guy too and treated me fairly and like a customer, not a penny pincher who was against me. I would not hesitate to use NCM again. I've used Haggerty and Grundy as well, although no claims with them.
Burning Brakes
Joined: Jul 2021
Posts: 1,020
Likes: 760
From: Tampa Bay, FL
Thread Starter
Melting Slicks
Joined: Jun 2016
Posts: 2,232
Likes: 2,365
From: SF Bay Area CA
I used NCM for my MR2, my previous Mustang and now my C8. I cross shopped NCM and Hagerty several times. NCM was always a much better deal and better coverage. Don’t use the online quote tool. It’s not at all accurate. Call them up and have a phone quote done. It’s fast and easy and the people there are great to talk to. They have multiple discounts you can get. I pay $560/yr for full coverage. In Florida where insurance costs are crazy high. The MR2 is $220/yr.
Le Mans Master
Joined: Sep 2017
Posts: 5,767
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From: Rural NW Georgia. GO DAWGS!
2024 C8 of the Year Finalist - Unmodified
I used Hagerty for a declared value policy with unlimited miles. A friend of mine - retired claims adjuster for Allstate - who now works in a very good local body shop dealing with insurance companies on claims told me he went with Hagerty for his 1971 Trans Am because they were the easiest to deal with if he had a claim.
Team Owner
Joined: Jul 2004
Posts: 23,957
Likes: 174
From: South West - but north of Dayton, Ohio
Mine is insured via NCM and I pay $780 a year with 6k mileage limit with the ability to drive to work a couple of days and enjoy when I want. I was expecting a lot more. No claims and hope to never so I can't help there...
Race Director
Joined: Aug 2016
Posts: 12,638
Likes: 10,049
From: Garden Valley CA
I don't drive my C8 to work but do use it whenever I can to do grocery runs, trips to the hardware store, medical appointments, etc. My wife has her own car that she uses and I have other vehicles. NCM wouldn't insure my C8 since it is a daily driver.
Drifting
Joined: Sep 2017
Posts: 1,464
Likes: 771
From: Miami
C7 of Year Finalist (performance mods) 2019
Keep in mind cheap insurance is only good until you need it.
I called several high end body shops around the country to ask who they recommended as the best to work with - both as a consumer and for the body shop.
Everyone overwhelmingly said State Farm was the best. The lowest remarks were Farmers, Travelers, and of course the Geico and Progressive type insurance companies.
Good luck!
I called several high end body shops around the country to ask who they recommended as the best to work with - both as a consumer and for the body shop.
Everyone overwhelmingly said State Farm was the best. The lowest remarks were Farmers, Travelers, and of course the Geico and Progressive type insurance companies.
Good luck!
Advanced
Joined: Oct 2019
Posts: 83
Likes: 48
From: Palm Beach Area
That is about exactly where I was at. But I just received my new premium today and it was up to $946.00. No explanation..