William,
I agree about Grundy and most others. I use State Farm. After checking out
Grundy, etc. I went to State Farm and told them I could insure both cars for
about $150/year total and was going to switch to a different company. They
said "well we have classic car insurance" and switched both the MGs over
(they didn't tell me until I asked and I was paying $240/year for just one
before!).
I now drive both MGs all season long without worrying about miles, even
though they have a clause that says something like "drive to car events,
shows, parades, and some pleasure" the "pleasure" part about covers
everything for me. We are in a small town and my agent sees me driving both
MGs all the time (except winter) and hasn't said a word. I have both insured
at $1000 deductible and $8000 declared value. The 79B costs $190/year and
the 67B costs $100/year. FWIW, I just turned 50, haven't had an accident for
20 years, and have 5 cars and three houses insured through them.
Happy hunting!
Monte
79B, Carmine
67B, BRG
74 1/2 Rust, parts car
----- Original Message -----
From: "William Killeffer" <wkilleffer@comcast.net>
To: <mgs@autox.team.net>
Sent: Monday, March 03, 2003 6:12 PM
Subject: insurance rant and question... sorry!
> 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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