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Classic Car Insurance Questions and Answers. This is the place to talk about Classic Car Insurance .

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Old 04-04-2017, 06:26 PM   #31
Dalinica
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Default Grundy, no thanks

I have been with Hagerty for just one year and decided to check out Grundy. There were about $120.00 cheaper but once I read the usuage agreement, no thank you. I can't drive the car to work?? It is to only be used for occasional pleasure? How is that described? I drive my car as much as the good weather permits. My car was bought for pleasure cruises and enjoyment not to park in the garage.
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Old 04-04-2017, 08:48 PM   #32
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Originally Posted by Dalinica View Post
I have been with Hagerty for just one year and decided to check out Grundy. There were about $120.00 cheaper but once I read the usuage agreement, no thank you. I can't drive the car to work?? It is to only be used for occasional pleasure? How is that described? I drive my car as much as the good weather permits. My car was bought for pleasure cruises and enjoyment not to park in the garage.
Well why don't you let Hagerty know you are using it as a daily driver and see what they say then. Hagerty has mileage limits where Grundy does not. Both companies expect these vehicles to be used on occasion and for shows, etc, etc. and for plesure use. There are cruise nights everyday of the week that you can drive to as well as shows. Insurance is a personal thing but let's be fair about both companies.
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Old 04-04-2017, 09:46 PM   #33
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So Many variations from all of you. It's a toss up at this point. I have Hagerty but have yet to have a claim. I hope never to have a claim. I am sure everyone is with me on the claim part. My son just got his 49 insured thru American collector car. I am a little skeptical about them because he said they put it under a restored original Policy, But the truck is heavily Customized. How I know is because I built it. It bothers me but It's his now so we will see.
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Old 04-04-2017, 10:44 PM   #34
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Well why don't you let Hagerty know you are using it as a daily driver and see what they say then. Hagerty has mileage limits where Grundy does not. Both companies expect these vehicles to be used on occasion and for shows, etc, etc. and for plesure use. There are cruise nights everyday of the week that you can drive to as well as shows. Insurance is a personal thing but let's be fair about both companies.
I agree here. If they don't insure for daily use, to use it for work and running errands, and you have an accident, or even theft if they find you were parked at work, you may find yourself in violation of their rules and have NO coverage.
Insurance companies will always look for a way to not pay.
I know there are other companies out there that may let you do what you want, but the premiums will most likely be higher than with Grundy or Hagerty.
I once had Farmers insurance and wanted to put full coverage on a '67 Barracuda that was a daily driver, and they told me, believe it or not, that due to the age of the car if it was damaged or totaled they would only pay 2 or 3 hundred out back to me, essentially saying if I had a broken windshield claim they would total the car. This was back in 1995.
I also don't know what value you have on your car, so this is important, but I would look for a company that will insure it for what you value it at, and let you drive it for any purpose you choose.
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Old 04-04-2017, 10:49 PM   #35
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So Many variations from all of you. It's a toss up at this point. I have Hagerty but have yet to have a claim. I hope never to have a claim. I am sure everyone is with me on the claim part. My son just got his 49 insured thru American collector car. I am a little skeptical about them because he said they put it under a restored original Policy, But the truck is heavily Customized. How I know is because I built it. It bothers me but It's his now so we will see.
I agree here too. If it's insured as stock, and they find it is modified after a claim, he may have his claim denied and have to foot the bill himself.
Also, street or track racing voids one's insurance if they find out about it.
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Old 04-05-2017, 09:53 AM   #36
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Wink Agree to Agree

Nobody likes to pay more than they feel they should but whats worse is a claim that is denied or worse considered fraud ! Yikes !! I have seen companies try to wiggle out of paying because of a technicality. If we don't have a claim then nobody knows so how it will all work out. How can you say otherwise. BUT IF we do, That' can feel like being in the electric chair. The guy who has a blower sticking out of the hood wheelie bars and drives it to work everyday with restricted insurance is looking for trouble. Be up front and truthful and ask questions get names, and get it in writing or know where to find it. Said it before, been an agent for 38 years and Nobody likes to have a claim but being on the wrong end of the stick gets you poked where it hurts.
On the other side have paid many claims over the years All Good!!
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Old 05-14-2017, 05:12 PM   #37
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I just went though this exercise myself. I am sticking with Hagerty because:

1. They allow you to use your vehicle for pleasure drives including overnight travel not associated to a car show, occasional errands, and driving to work a few times a year - Grundy will not allow that. This is not for daily driving of course but Hagerty provides much more flexibility to use your car. If you do not want to use it in this manner, use Grundy and save some money.

2. Guaranteed stated value versus agreed value. With guaranteed value, we get 100% payout of the value insured for in the policy. with Grundy I am told, the agreed value is later negotiated after a claim (I am not risking that).

3. Website and customer service - absolutely incredible.

That is my 2 cents.


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Old 05-14-2017, 07:09 PM   #38
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Don't you have "agreed value" and "stated value" backwards? I always thought that "agreed value" was full value, not negotiated or discounted after a claim.

I.e., "stated value" was what fifties forever was talking about with his Barracuda.
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Old 05-15-2017, 06:36 PM   #39
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Hagerty and Grundy both advertise on many car guy shows and they both say the cars are made to be enjoyed/driven.
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Old 05-15-2017, 08:44 PM   #40
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Quote:
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Don't you have "agreed value" and "stated value" backwards? I always thought that "agreed value" was full value, not negotiated or discounted after a claim.

I.e., "stated value" was what fifties forever was talking about with his Barracuda.
My suggestion is that whichever company you choose, make sure the coverage amount for a total loss is a pre-negotiated guaranteed number upfront.
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