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I think it makes a big difference on where you are located. I pay State
Farm $202 for a stated value, classic car policy. This is in Vermont where
the rates are more reasonable than a highly populated area. For example
I've been quoted prices from State Farm on another vehicle in both Vermont and
Florida. The Florida quote was almost double the VT quote.
In a message dated 8/24/2015 5:26:41 P.M. Eastern Daylight Time,
tigers@autox.team.net writes:
I had to get an appraiser's stated value in writing that cost me $275,
that valued the car at 52.5, the writer for Commerce said they would only
insure the car for 48 with a 500 deductible. If you want the freedom to use
the
car it's gonna cost ya.
Jeff
On Sun, Aug 23, 2015 at 6:50 PM, Stu via Tigers <_tigers@autox.team.net_
(mailto:tigers@autox.team.net) > wrote:
I just went through this, and Hagerty seemed a little more liberal than
Grundy. Their use restrictions mostly fit my use model. Occasional pleasure
drives, car shows, cruise nights, maybe to a family party to show off,
rarely to work (once in the last year and a half), all the family at home have
their own cars, no family under 25 who know how to drive a stick, evening
or weekend drives to try to track down that pesky problem, and so on. From
what their stuff says, these would be mostly OK.
Stu
On Sun, Aug 23, 2015 at 6:22 PM, Jay Laifman via Tigers
<_tigers@autox.team.net_ (mailto:tigers@autox.team.net) > wrote:
I have had the same issue - this is also for my early 911 and 912. There
are a number of issues with all the classic car policies. As you've noted,
it can't be your daily driver. Not only that, you have to have a car that
is at least 15 years old for all drivers in the house. My 2000 Boxster,
which is still like new isn't good enough. One company said I might be able
to get a waiver of this one. Some said there is no waiver.
Another issue is that no one under 25 can drive the car. So if my son
and I drive to a car show, he can't drive at all. I kind of get it. But,
life's too short not to enjoy these cars with my kids here and now.
Another issue is that you can use it to go to work once and a while. But
that is on a rare occasion when you are doing something else. So if you
want to drive it every Friday or a week here and there, you won't be covered.
That means NO coverage. Some of them were really strict on this - like
if you get in an accident on a Wednesday morning at 7:00 am on your route to
work, don't expect getting coverage for the accident without a huge fight.
One of the places, and I think it was Grundy's, I asked if I could stop at
a hardware store on the weekends. She gasped and recounted how she saw a
Ferrari parked at the far end of a Home Depot over the weekend and thought
to herself that she sure hopes she doesn't insure that car! Geeze, really?
Us car guys can't stop at a hardware store and park at the far end?
That's a show stopper for me. Note some others said it was ok if it was part
of
a joy ride and not a weekend errand drive.
Believe me, I called EVERY ONE of the companies and asked them all the
same questions. They all basically gave the same answers. Yes, you can get
their insurance and figure they will never know. And they may give half
answers about how they cover various things. But, if you really put them to
specific questions, they don't give good answers.
I get it. They have to evaluate their risk and what they want to insure.
They want to insure parade cars and joy ride cars, and will take the risk
for a restaurant with your wife here and there. That's not me, and never
will be.
I guess you can look at it another way too. I have not paid more than
$10k for any of my cars. So in one way, if something bad happened, I would be
out only $10k plus the expenses over the years. I know, two of these cars
are probably (definitely?) worth over $100k in investment terms. So I
could lose much more in paper. I don't like looking at it this way, but it is
a way to rationalize it.
Right now, I do a lot of self insurance by being especially careful where
I park the cars, how long I am away from them, how well they are locked up,
etc. It's not perfect. But, I'd rather be underinsured than have NO
insurance because I have a classic policy and I'm using it to actually drive.
Jay
On Sun, Aug 23, 2015 at 2:59 PM, genepadgett--- via Tigers
<_tigers@autox.team.net_ (mailto:tigers@autox.team.net) > wrote:
I did not see this post to my own e-mail and am thinking that somehow it
did not go through. I am re-sending it in hopes that it will go through
this time. Confirmation of receipt from anyone on the List would be
appreciated.
TIA, Gene
____________________________________
From: _genepadgett@comcast.net_ (mailto:genepadgett@comcast.net)
To: "tigers" <_tigers@autox.team.net_ (mailto:tigers@autox.team.net) >
Sent: Friday, August 21, 2015 12:28:53 PM
Subject: Driven Tger nsurance
Hi All,
With the recent jump in auction prices for our cars, I am wondering what
people like me who just enjoy driving their cars are doing for insurance.
I just got turned down by Grundy because the "vehicle cannot be used as
backup, primary or secondary transportation". This dispite the fact both my
wife and I have other cars which serve as our regular daily driver vehicles.
To me, being able to take the Tiger out when and where I want to go is the
essence of having and enjoying the car in the first place. It is the
journey not the destination that matters to me. I bought the car new in
1967 and have never thought of it as a collectible or investment. Still with
the recent escalation in apparent values, I do not want to be stupid about
insurance.
Anyone else on the List that might be of a similar mind as me and own
their Tiger for the enjoyment of driving it can bring? If so what do you do
for insurance?
TIA,
Gene
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<!DOCTYPE HTML PUBLIC "-//W3C//DTD HTML 4.0 Transitional//EN">
<HTML><HEAD>
<META content=3D"text/html; charset=3DUS-ASCII" http-equiv=3DContent-Type>
<META name=3DGENERATOR content=3D"MSHTML 11.00.9600.17963"></HEAD>
<BODY id=3Drole_body style=3D"FONT-SIZE: 12pt; FONT-FAMILY: Arial; COLOR:=
#000000"=20
bottomMargin=3D7 leftMargin=3D7 rightMargin=3D7 topMargin=3D7><FONT id=3Dr=
ole_document=20
color=3D#000000 size=3D3 face=3DArial>
<DIV><STRONG>I think it makes a big difference on where you are locat=
ed. I=20
pay State Farm $202 for a stated value, classic car policy. This is=
in=20
Vermont where the rates are more reasonable than a highly populated area.&=
nbsp;=20
For example I've been quoted prices from State Farm on another vehicle in=
both=20
Vermont and Florida. The Florida quote was almost double the VT=20
quote.</STRONG></DIV>
<DIV> </DIV>
<DIV>
<DIV>In a message dated 8/24/2015 5:26:41 P.M. Eastern Daylight Time,=20
tigers@autox.team.net writes:</DIV>
<BLOCKQUOTE=20
style=3D"PADDING-LEFT: 5px; MARGIN-LEFT: 5px; BORDER-LEFT: blue 2px solid"=
><FONT=20
style=3D"BACKGROUND-COLOR: transparent" color=3D#000000 size=3D2 face=3D=
Arial>
<DIV dir=3Dltr>
<DIV>I had to get an appraiser's stated value in writing that cost me $2=
75,=20
that valued the car at 52.5, the writer for Commerce said they would onl=
y=20
insure the car for 48 with a 500 deductible. If you want the freedom to=
use=20
the car it's gonna cost ya.</DIV>
<DIV> Jeff</DIV></DIV>
<DIV class=3Dgmail_extra><BR>
<DIV class=3Dgmail_quote>On Sun, Aug 23, 2015 at 6:50 PM, Stu via Tigers=
<SPAN=20
dir=3Dltr><<A title=3Dmailto:tigers@autox.team.net=20
href=3D"mailto:tigers@autox.team.net"=20
target=3D_blank>tigers@autox.team.net</A>></SPAN> wrote:<BR>
<BLOCKQUOTE class=3Dgmail_quote=20
style=3D"PADDING-LEFT: 1ex; MARGIN: 0px 0px 0px 0.8ex; BORDER-LEFT: #ccc=
1px solid">
<DIV dir=3Dltr>
<DIV class=3Dgmail_default style=3D"FONT-SIZE: small">I just went thro=
ugh this,=20
and Hagerty seemed a little more liberal than Grundy. Their use=
=20
restrictions mostly fit my use model. Occasional pleasure drives=
, car=20
shows, cruise nights, maybe to a family party to show off, rarely to=
work=20
(once in the last year and a half), all the family at home have their=
own=20
cars, no family under 25 who know how to drive a stick, evening or wee=
kend=20
drives to try to track down that pesky problem, and so on. From=
what=20
their stuff says, these would be mostly OK.</DIV>
<DIV class=3Dgmail_default style=3D"FONT-SIZE: small"><BR></DIV>
<DIV class=3Dgmail_default style=3D"FONT-SIZE: small">Stu</DIV></DIV>
<DIV class=3Dgmail_extra><BR>
<DIV class=3Dgmail_quote>
<DIV>
<DIV class=3Dh5>On Sun, Aug 23, 2015 at 6:22 PM, Jay Laifman via Tiger=
s <SPAN=20
dir=3Dltr><<A title=3Dmailto:tigers@autox.team.net=20
href=3D"mailto:tigers@autox.team.net"=20
target=3D_blank>tigers@autox.team.net</A>></SPAN> wrote:<BR></DIV><=
/DIV>
<BLOCKQUOTE class=3Dgmail_quote=20
style=3D"PADDING-LEFT: 1ex; MARGIN: 0px 0px 0px 0.8ex; BORDER-LEFT: rg=
b(204,204,204) 1px solid">
<DIV>
<DIV class=3Dh5>
<DIV dir=3Dltr>I have had the same issue - this is also for my early=
911 and=20
912. There are a number of issues with all the classic car=20
policies. As you've noted, it can't be your daily driver. =
; Not=20
only that, you have to have a car that is at least 15 years old for=
all=20
drivers in the house. My 2000 Boxster, which is still like new=
isn't=20
good enough. One company said I might be able to get a waiver of thi=
s=20
one. Some said there is no waiver. =20
<DIV><BR></DIV>
<DIV>Another issue is that no one under 25 can drive the car. =
So if=20
my son and I drive to a car show, he can't drive at all. I kin=
d of=20
get it. But, life's too short not to enjoy these cars with my=
kids=20
here and now.</DIV>
<DIV><BR></DIV>
<DIV>Another issue is that you can use it to go to work once and a=
=20
while. But that is on a rare occasion when you are doing somet=
hing=20
else. So if you want to drive it every Friday or a week here=
and=20
there, you won't be covered. That means NO coverage. Som=
e of=20
them were really strict on this - like if you get in an accident on=
a=20
Wednesday morning at 7:00 am on your route to work, don't expect get=
ting=20
coverage for the accident without a huge fight.</DIV>
<DIV><BR></DIV>
<DIV>One of the places, and I think it was Grundy's, I asked if I co=
uld=20
stop at a hardware store on the weekends. She gasped and recou=
nted=20
how she saw a Ferrari parked at the far end of a Home Depot over the=
=20
weekend and thought to herself that she sure hopes she doesn't insur=
e that=20
car! Geeze, really? Us car guys can't stop at a hardware=
store=20
and park at the far end? That's a show stopper for me. Note so=
me=20
others said it was ok if it was part of a joy ride and not a weekend=
=20
errand drive.</DIV>
<DIV><BR></DIV>
<DIV>Believe me, I called EVERY ONE of the companies and asked them=
all=20
the same questions. They all basically gave the same answers.&=
nbsp;=20
Yes, you can get their insurance and figure they will never know.&nb=
sp;=20
And they may give half answers about how they cover various things.&=
nbsp;=20
But, if you really put them to specific questions, they don't give=
good=20
answers. </DIV>
<DIV><BR></DIV>
<DIV>I get it. They have to evaluate their risk and what they=
want=20
to insure. They want to insure parade cars and joy ride cars,=
and=20
will take the risk for a restaurant with your wife here and there.&n=
bsp;=20
That's not me, and never will be. </DIV>
<DIV><BR></DIV>
<DIV>I guess you can look at it another way too. I have not pa=
id=20
more than $10k for any of my cars. So in one way, if something=
bad=20
happened, I would be out only $10k plus the expenses over the years.=
=20
I know, two of these cars are probably (definitely?) worth over $100=
k in=20
investment terms. So I could lose much more in paper. I=
don't=20
like looking at it this way, but it is a way to rationalize it.</DIV=
>
<DIV><BR></DIV>
<DIV>Right now, I do a lot of self insurance by being especially car=
eful=20
where I park the cars, how long I am away from them, how well they=
are=20
locked up, etc. It's not perfect. But, I'd rather be=20
underinsured than have NO insurance because I have a classic policy=
and=20
I'm using it to actually drive.</DIV>
<DIV><BR></DIV>
<DIV>Jay</DIV>
<DIV><BR></DIV>
<DIV><BR></DIV>
<DIV><BR></DIV>
<DIV><BR></DIV></DIV>
<DIV class=3Dgmail_extra><BR>
<DIV class=3Dgmail_quote>On Sun, Aug 23, 2015 at 2:59 PM, genepadget=
t--- via=20
Tigers <SPAN dir=3Dltr><<A title=3Dmailto:tigers@autox.team.net=
=20
href=3D"mailto:tigers@autox.team.net"=20
target=3D_blank>tigers@autox.team.net</A>></SPAN> wrote:<BR>
<BLOCKQUOTE class=3Dgmail_quote=20
style=3D"PADDING-LEFT: 1ex; MARGIN: 0px 0px 0px 0.8ex; BORDER-LEFT:=
rgb(204,204,204) 1px solid">
<DIV>
<DIV=20
style=3D"FONT-SIZE: 12pt; FONT-FAMILY: Times New Roman; COLOR: rgb=
(0,0,0)">
<DIV><BR></DIV>
<DIV><BR></DIV>
<DIV=20
style=3D"FONT-SIZE: 12pt; TEXT-DECORATION: none; FONT-FAMILY: Helv=
etica,Arial,sans-serif; FONT-WEIGHT: normal; COLOR: rgb(0,0,0); FONT-STYLE=
: normal">
<DIV=20
style=3D"FONT-SIZE: 12pt; FONT-FAMILY: Times New Roman; COLOR: rgb=
(0,0,0)">
<DIV>I did not see this post to my own e-mail and am thinking that=
=20
somehow it did not go through. I am re-sending it in hopes=
that it=20
will go through this time. Confirmation of receipt from any=
one on=20
the List would be appreciated.</DIV>
<DIV><BR></DIV>
<DIV>TIA, Gene</DIV>
<DIV><BR></DIV>
<HR>
<DIV=20
style=3D"FONT-SIZE: 12pt; TEXT-DECORATION: none; FONT-FAMILY: Helv=
etica,Arial,sans-serif; FONT-WEIGHT: normal; COLOR: rgb(0,0,0); FONT-STYLE=
: normal"><B>From:=20
</B><A title=3Dmailto:genepadgett@comcast.net=20
href=3D"mailto:genepadgett@comcast.net"=20
target=3D_blank>genepadgett@comcast.net</A><BR><B>To: </B>"tigers"=
<<A=20
title=3Dmailto:tigers@autox.team.net href=3D"mailto:tigers@autox.t=
eam.net"=20
target=3D_blank>tigers@autox.team.net</A>><BR><B>Sent: </B>Frid=
ay,=20
August 21, 2015 12:28:53 PM<BR><B>Subject: </B>Driven Tger nsuranc=
e<BR>
<DIV><BR></DIV>
<DIV=20
style=3D"FONT-SIZE: 12pt; FONT-FAMILY: Times New Roman; COLOR: rgb=
(0,0,0)">
<DIV>Hi All,</DIV>
<DIV><BR></DIV>
<DIV>With the recent jump in auction prices for our cars, I am won=
dering=20
what people like me who just enjoy driving their cars are doing fo=
r=20
insurance. I just got turned down by Grundy because the "ve=
hicle=20
cannot be used as backup, primary or secondary transportation". &n=
bsp;=20
This dispite the fact both my wife and I have other cars which ser=
ve as=20
our regular daily driver vehicles.</DIV>
<DIV><BR></DIV>
<DIV>To me, being able to take the Tiger out when and where I want=
to go=20
is the essence of having and enjoying the car in the first place.=
=20
It is the journey not the destination that matters to me. =
I=20
bought the car new in 1967 and have never thought of it as a colle=
ctible=20
or investment. Still with the recent escalation in apparent=
=20
values, I do not want to be stupid about insurance.</DIV>
<DIV><BR></DIV>
<DIV>Anyone else on the List that might be of a similar mind as me=
and=20
own their Tiger for the enjoyment of driving it can bring? =
If so=20
what do you do for insurance?</DIV>
<DIV><BR></DIV>
<DIV>TIA,</DIV>
<DIV><BR></DIV>
<DIV>Gene</DIV>
<DIV><BR></DIV></DIV></DIV>
<DIV><BR></DIV></DIV></DIV>
<DIV><BR></DIV></DIV></DIV><BR>___________________________________=
____________<BR><BR><A=20
title=3Dmailto:tigers@autox.team.net href=3D"mailto:tigers@autox.t=
eam.net"=20
target=3D_blank>tigers@autox.team.net</A><BR><BR>Donate: <A=20
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