The Hagerty agent I spoke with said driving like that was ok a few times a month.

 

If you only plan on occasional use, then you're fine. What they don't want is you doing the daily commuter slog with your collector car. I drive my car(s) to work usually once a week, maybe more during nice weather.

 

I checked with Hagerty and asked the same questions you are asking and they said it was fine. I did it through their on-line chat feature, then saved and printed the chat session for the future, just in case...see a portion below

10:00 AM
Can I stop at the grocery store if I'm out for a drive?

Yes, we allow for occasional use for driving to work once in a while, or driving to a doctor's appointment. If you're out for a drive and have to stop for milk, we're totally okay with that too

Alana Z

 

Ask for a sample copy of the written policy and read it. The people on the phone are salespersons for the the broker (Hagerty) not the company actually insuring.

 

Yeah very frustrating. I have an independent Farmers agent getting me quotes, I asked for policy twice. Then went to Hagerty website, it’s nothing but marketing stuff, no actual policy details other than a few generic promises with asterisks.

 

I'm an agent
Words are a very thin line.
I'd say you're OK on a Sunday to stop for a burger after a show or meet up.
On a Monday afternoon you'll probably have some esplsinin to do.

Imo the occasional use wording along with the wording not for daily driving is or routine is key to what they will do.

Imo again if car is in eyesite like and ice cream shop or stop for a big gulp on a weekend it should be ok.

I wouldn't take it to church or the mall where you physically have to leave it unattended

With that being said you'd have to prove you weren't
Using the car as a substitute vehicle

I had claims come in on weekends and holidays that didn't get contested

Once on a weekday at rush hour did get contested
Person proved he took it in for an inspection that day and had a meet up afterwards
So they paid that as the use was justified

Insurance companies are ruthless. You are never in good hands or have a good neighbor

If there's a show or any meet up I always take a pic of the flyer or snap shot the web page.

The more proof you have the better it will go

Hope that helps

 

Ask for cherished salvage insurance its 12 a year. If totaled they send the car to you instead of the auction.

 

Try Grundy!

 

I've got a 65 and have it insured for AGREED VALUE as a DAILY DRIVER for my 18 YEAR OLD SON through Erie. Your read that right. I went through a local broker. It's documented in all the paperwork, I was extremely careful about it. I had to transfer my home and all cars, but it ended up being less than my insurance with USAA. The trick is going through a local broker I think.

 

Believe whatever post #7 says.
I was in that business as a damage appraiser and fraud investigator once upon a time.
"Ruthless" is an accurate term for insurance companies. They tried to screw me on a claim and I worked for them.

 

Don't matter if you go to a broker agent or dirct to the company

You're still bound by the policy wording and the interpretation of it by some half ass claims adjuster. After it clears him some
Idiot claims underwriter reviews it for payment

If there is any doubt it goes up to a supervisor
After that if still any doubt it gets handed over to a special investigor in the frauds unit. Usually a retired detective or someone trained in law enforcement


Once it goes there it's time to lawyer up

Been doing this 35 years
Problem is I still haven't seen everything

 

Yeah it’s the lawyers words in the policy that matter, anything else is disclaimed by the insurance company…so I am trying to find a policy without that wording.

 

Good chance You won't find a classic policy without the restrictions
If you want to use the car on a daily basis go to progressive with all your cars and tell them you want agreed amount on the classic
They have an option for it. Whether they will give it to you is another story.

Chubb also offers it as well as others
You'll have to put the time into shopping around

 

Here we go again.

I have a Hagerty policy. As long as you're not using the car as a daily driver or driving it on a track, you're covered. People always talk about "secret" and "hidden" restrictions. The reality is if Hagerty was denying claims based on such restrictions, we'd be seeing it and hearing about it in forums all over the Internet. Since that's not happening, my take it it's not an issue. I've talked to multiple people who filed claims through Hagerty with no issues whatsoever.

Decades ago classic car policies allowed for shows, parades and little else. So yeah, if you stopped at Dairy Queen and some clown hit your classic car, there would be an insurance issue. Most classic car policies are no longer like this.

 

I have American Modern, and they allow for driving to work (occasionally) for an extra $50 a year, but they have NO provisions to drive the car for any other types of stops (No Ice Cream, Store, dinner, etc.). They even told me that if I take the car to my second house (which has a garage), that I have to inform them each time since they don't have a provision to add two addresses to the policy.
I am now shopping to change it since I will be retiring and want to be able to drive it occasionally for errands.

 

I guess it’s the wording thats vague and the fact I don’t have a sample policy to read. Just marketing stuff.

I don’t want it to be my “daily driver”. BUT I do want to use it for occasional daily driver tasks, like drive it to work on a nice day(7 miles, back roads, secure garage to secure monitored fenced guarded parking.) and to the grocery store, Dairy Queen, Ace hardware or just out for pleasure cruise…. It’s not clear yet if doing daily driving occasionally is allowed…

 

Talk with Hagerty and get a quote for YOU AND YOUR CAR. Ask them for a copy of the policy and read it. No big deal.

 

Here in Germany we are also quite limited with but a couple of interesting differences.

1. To insure an "Oldtimer"(Classic) you must have a formal appraisal from one of the big inspection businesses like Dekra. They charge between $500-600 for the appraisal and include lots of pictures and data.

2. There are use limitations but being hard to validate, most companies just set a range for yearly mileage. In my case it is 5,000 Km per year. When I had them come out about my electrical fire one of the first things the adjuster did was take a photo of the speedometer.

So far, so good.....

 

Well I finally found how to get policy documents to review.

https://www.hagerty.com/edocs

I then had a few chats..their policy definitions and chat confirm that infrequent daily driver use is covered.
From chat; Hagerty | For People Who Love Cars


Emily R (9/19/2022, 12:13:18 PM): Hello, Steve! My name is Emily. How may I help you?
Steve (9/19/2022, 12:13:44 PM): Hello have a policy question, I do t have Hagerty insurance yet.
Emily R (9/19/2022, 12:14:01 PM): Good afternoon! Sure thing, what is your question?
Steve (9/19/2022, 12:14:16 PM): In your classic auto policy:
Steve (9/19/2022, 12:14:37 PM): J. "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.
K. "Classic vehicle" means a motor vehicle of unique or rare design and of limited production that is an object of curiosity and:
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.
L. "Regular use vehicle" means a motor vehicle which is used for regular driving to work, school, shopping, errands or for general transportation and is not an "antique vehicle" or "classic vehicle."

My question is about occasional use
Steve (9/19/2022, 12:15:27 PM): i have 2 daily driver vehicles, but I want to be able to drive my classic Mustang occasionally to work or the grocery store or the hardware store or the ice cream shop or other similar use.
Steve (9/19/2022, 12:15:58 PM): The policy seems to imply that this type of use is OK if in frequent. Is that correct?
Emily R (9/19/2022, 12:16:55 PM): That is correct! We want you to show off your classic, so occasional trips to the store, ice cream and work is fine!
Steve (9/19/2022, 12:17:34 PM): So in other words occasionally using for daily driver activity is covered?
Emily R (9/19/2022, 12:18:40 PM): Yep, as long as you are staying within your mileage limit. We have a pretty flexible usage program

so Hagerty it is, and this chat is saved in my iCloud account and here on VMF, and my email.

 

Thanks for posting the link to the various policies by state. Hagerty does have much more favorable language than the Condon Skelly policy that I posted excerpts from. With increasing values of these cars, I may consider an agreed value policy.

 

I have Hagerty currently, though I did have American Modern before, of which I never made any sort of claims or had any issues with them. I would've likely stayed with AM but when it came time to renew, I looked into Hagerty and it was like an extra $50 a year. I have unlimited mileage through Hagerty with I believe just under a $50k agreed upon value but yes, you can't use it as a daily driver to and from work everyday. And I don't even think I put 1k miles on my cars in a year, so it's not like I'd ever hit the 2,500 miles or whatever most insurance companies limit classic vehicles to anyway. For the extra $50 a year and all of the positive reviews that I'd heard about Hagerty, I figured why not. That, and I believe my car was only insured with AM for around $35k, so when I increased the agreed upon value for the quote on their website to whatever I've currently got it insured at with Hagerty, the price difference between the two companies was negligible. It was an easy decision after seeing that.

 

An agent is not the same as a broker.

 

I got a quote from hagerty for seasonal driving on my 69, 6 months out of the year, something like 6k mile limit but I could daily drive it as much as I want in those 6 months and the agreed value of my 69 was going to be 20k. They wanted 1100 for a year of insurance. 1100 for they year, of which I could only daily drive it for 6 months max or they would refuse to issue the policy.

That's tough for me to swallow. I've well over 20K in my 69 and hundreds of hours of blood sweat and tears, with the sole purpose of it being my daily driver muscle car. For the most part I've never really considered anything more than liability on it because it's value wasn't that high but between the $8k motor I built last year and the $9k I dropped on the interior this summer I started thinking a lot more about how much it would suck if someone rear-ended me and all I have is liability on it.

But I wasn't prepared for the fact that, because its so old, I either pay a ton of money for really restricted use agreed value, or I can go stated value with my current insurance company and just accept whatever the insurance company would deem market value of it is. I currently have progressive on 3 cars, all liability, but I only pay $58/mo to insure all 3. When I talked to progressive about full coverage of the 69 they said they can only do stated value and would not tell me what the market value would even ballpark be. Out of curiosity I quoted full coverage on a 2022 Mustang GT and its would cost me WAAAAY less to daily drive a 2022 GT with full coverage than my 69 with Hagerty.

At this point my only options are to pay 100/mo to hagerty and have an agreed value policy but I can only daily it 6 months out of the year, or do stated value with Progressive and roll the dice knowing I might at least get something for it if totaled. Then I went down the rabbits hole of reading reviews of Hagerty customers and came across a plethora of reviews consisting of scenarios like "I'm a 20 year customer of hagerty, never once made a claim. I finally need to make a claim and they deny it." The volume of long-term hagerty customer reviews where they felt they were being screwed after being loyal made me question whether the 1100/ year for one car is even worth it really in my case, if I could end up spending that for years only to have Hagerty weasel out of paying out if something did happen.

 

Not sure if NY is an outlier, but my 68 coupe was insured last year for $25k agreed value for $375 and I upped it this year to $30k and this year it is $430. I am 99% sure there is no annual mileage limit but all the other criteria exist (e.g., garage, 2nd/primary car). $50/$100 deductible. Clean driving record.

 

American Modern does not have a policy where you can drive the car for any type of errand. Basically, you can't leave the car unattended unless it's in your garage (other than if you add the occasional driving to work, but still can't stop for milk on the way home). I've been with them for over 10 years, but going to switch to someone else since I will be retiring and want to drive it to the store or golf driving range on occasion.

 

So if you're at a big car show like Carlisle and you need something to eat you can't leave your car unattended? You can't go and look at any of the cars that are at the show? What a crock if your car gets stolen at the show because you went to go take a piss.

 

thats because the leaving unattended doesnt apply to a show

 

I would add one thing to the discussion. No matter what policy or what carrier you decide to use don’t go another day without insuring the vehicle. A good friend of mine learned the hard way. He had spent thousands of dollars and hundreds of hours working on his car and it was all done except for putting the wheels and tires on it and registering it and INSURING the vehicle. It was stored at his mechanic friend’s backyard shop which caught fire, collapsed and burned to the ground with several vehicles in it, including my friend’s 99.9% restored car. The friend’s building was insured, as were the tagged cars in the building but my friend only has a beautiful set of new wheels and tires left after spending years and lots of money on a beautiful build that literally went up in smoke. Insure it today is my words of advice to all.