[DrVett]

There have been discussions on what is covered with your classic car insurance. It’s been stated that if it’s not in writing you can’t necessarily believe that it’s true. So I just renewed my Hagerty insurance. And this statement was included in the paperwork I received.

So I guess drive your car for the fun of it!

Allen

 

[1968KR]

Dont want to start anything political , but have they asked you to pay them to plant trees yet?

I dropped them when they started talking about carbon offsets

 

[Blues Power]

"for the fun of it."
still does not include backup transportation, to and from work or running errands

although some members said they had permission to take it to work if they were going to a show later that day or had an appt with a shop

i still wouldn't trust it

 

[DrVett]

Dont want to start anything political , but have they asked you to pay them to plant trees yet?

I dropped them when they started talking about carbon offsets

Preaching to the wrong choir. I’m all for doing positive things to help with our climate issues.

Allen

 

[Woodchuck]

"for the fun of it."
still does not include backup transportation, to and from work or running errands

although some members said they had permission to take it to work if they were going to a show later that day or had an appt with a shop

i still wouldn't trust it

Three simple words.... "Read.....Your......Policy".

 

[LeeFred]

From Hagerty's website:

Flexible usage
Insuring a car through Hagerty allows occasional pleasure use.** You can go for a weekend drive, take your vehicle up to the local ice cream shop or attend unlimited events and cruises.

** Occasional pleasure use does not mean use for daily driving to and from work or school, routine shopping, etc.

 

[1968KR]

Good Luck with that Allen. When they outlaw ICE vehicles you will have subsidized it.

 

[Black Gold 380R]

I personally hate all insurances (car, home, medical, life, etc.). They love to take your money every month. At the end of the year do you get any of that money back if you don't make a claim? Hell no! Your money is used to pay for other peoples accidents.

Then if you are one of those people who have an accident what do they do? Give you all kinds of grief if you make a claim and then on top of that they raise your rates.

Bastards, all of them!!!!

 

[DrVett]

In general I try to avoid fear mongering.

Allen

 

[1968KR]

And apparently try to avoid the news and reality as well.

 

[66coupe289]

There have been discussions on what is covered with your classic car insurance. It’s been stated that if it’s not in writing you can’t necessarily believe that it’s true. So I just renewed my Hagerty insurance. And this statement was included in the paperwork I received.

So I guess drive your car for the fun of it!

View attachment 886302

Allen

That's all well and good, but one MUST read the actual policy and not rely on a marketing letter.

 

[Bad66GT]

From Hagerty's website:

Flexible usage
Insuring a car through Hagerty allows occasional pleasure use.** You can go for a weekend drive, take your vehicle up to the local ice cream shop or attend unlimited events and cruises.

** Occasional pleasure use does not mean use for daily driving to and from work or school, routine shopping, etc.

Its all on how you describe to them what you were doing....

On my way to the car show, I stopped by the grocery store to get a soda and got hit in the parking lot

Chris

 

[LeeFred]

"I was driving to a car show when I got in the accident".

"1000 miles from home?"

"Yes"

 

[DrVett]

Its all on how you describe to them what you were doing....

On my way to the car show, I stopped by the grocery store to get a soda and got hit in the parking lot

Chris

I had a similar thing happen. I was driving to Eastern Washington and back from Seattle. Stopped midway to get a sandwich. Got hit by a car in the parking lot. But I happen to be there and got the owners insurance information. Their insurance paid for the repair. 👍

Allen

 

[DrVett]

Its all on how you describe to them what you were doing....

On my way to the car show, I stopped by the grocery store to get a soda and got hit in the parking lot

Chris

Did they cover the repair?

Allen

 

[Rufus68]

Since this thread is a current one, list your favorite insurance provider that would cover occasional drives to work, to the store, and other assorted regular life drives (still not a daily driver but driving to do what you need that day).

 

[Bad66GT]

Did they cover the repair?

Allen

It didnt happen to me, I was just playing.

Chris

 

[Woodchuck]

Again, read your policy. Every state has different policy language to comply with state law. Also, bear in mind that Hagerty is NOT the insurer. They are the AGENT. The actual policy issued is underwritten by an insurance company. My current Hagerty Policy is underwritten by Essentia Insurance Company.

 

[gspitale]

I'm not a huge State Farm fan, but I have multiple other policies through them so I decided to ask them to insure my 1968 completely restored/resto-modded Mustang. Believe it or not, they did give me a policy with NO driving restrictions (a "regular" auto insurance policy) with a documented/agreed value of what I think the car is worth (well over 150k). I had a pile of receipts/build records that they examined very closely, but they did grant the policy and have renewed it twice now.

Oh yea - the best part - it is roughly half of the quote I got from Grundy and Hagerty.

 

[Woodchuck]

I'm not a huge State Farm fan, but I have multiple other policies through them so I decided to ask them to insure my 1968 completely restored/resto-modded Mustang. Believe it or not, they did give me a policy with NO driving restrictions (a "regular" auto insurance policy) with a documented/agreed value of what I think the car is worth (well over 150k). I had a pile of receipts/build records that they examined very closely, but they did grant the policy and have renewed it twice now.

Oh yea - the best part - it is roughly half of the quote I got from Grundy and Hagerty.

Is your policy an "Agreed Value" or "Stated Value" policy. It makes a difference. In both cases, you agree with the company on a value. The difference is when you have a loss.