Hello,
I know the subject of car insurance has just about been done to death
here, and that I'm part of the problem. But I'm just a little pi$$ed at
this moment.
Not long ago, I followed some advice to look into the classic car
insurance offered by Grundy Worldwide. Their website made it look quite
promising, but the materials I received in the mail pretty much blew
that to bits. I was really looking forward to saving a bit of bread on
car insurance as with four cars, the bill can be a bit much at times. I
understood that there would be some restrictions on what sort of driving
would be acceptable use. But the language used on some of their forms is
worded in such a way that they could possibly deny a claim even though
you thought you were following all the rules! Of course, that can be SOP
in the insurance biz, and God forbid that you should actually have to
file a claim for any reason, but s**t happens and I'm sure that we've
all had at least one wreck or similar incident. It also took two weeks
and two phone calls to get the info, but I digress...
It would be nice to think that I would actually be able to drive the car
from time to time, but with coverage like that, I'll be too afraid to
take it out of the garage. It will make its gradual evolution into the
garage and trailer queen that companies like Grundy probably want it to
be. Our car club is thinking about working with the SCCA in town to put
together a mini-rally and autocross as there is an element of interest
and alot of the members used to do stuff like that with their cars. Even
though it would be a club event, coverage could be denied if something
happened. Sometimes SCCA has some insurance, but you can't count on that.
Now, I'm about to turn 29 so I can't speak for the really young. I don't
claim to be cool or hip. But I can tell you that few if any young people
that I know would be interested in owning a trailer queen. Try and
overlook some of the odd modifications that some of the "youts" have
done to their cars and recognize that those cars are driven, used,
abused sometimes but enjoyed overall. That's what our cars were made
for. Unless you're like me and you don't like driving the B in the rain,
there's no reason that your car shouldn't be out in pretty weather.
Leaving them to moulder in the garage is a terrible injustice IMHO. In
fact, doing such is probably a danger to our hobby's future. Gary
Anderson said it very well in this issue of British Car.
I think my ranting is over. Now, my question is will your regular
insurance company provide enough coverage so that you're comfortable
driving your British car on a regular basis? I've only got liability
right now, but I'm about to switch to Nationwide, the same company that
does my homeowner's coverage. Some people have said that they use their
LBC as a commuting vehicle except during the winter. If you're willing,
please send me a private email about some of the details of your
coverage, what you had to tell the company, etc. I'm not asking to have
the car completely rebuilt or replaced after a wreck or theft, but it
would be nice to think that I would have some level of protection, so
that I could drive the car to work sometimes (the co-workers love it) or
run errands or just take off for no rhyme or reason to go wherever the
road takes me. This issue has been burning me up for some time. I guess
today was the day for the eruption. Thank you all for your patience and
assistance.
-William Killeffer
1997 Chevy S-10
1993 Ford Explorer
1993 BMW 325is
1974 MGB
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