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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 10-01-2017, 09:11 PM   #1
johnonetrillion
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Default *Insurance

Am just buying a car in MI.

It will be shipped out to Seattle and stored for about 6 months until I get there to drive it around for just a few weeks, before bringing it back to Australia.

Here we have insurance called 'laid up cover' which is for when a car is not being driven for accidents when being transported, fire, workshop damage etc. It is a lot less expensive that regular road insurance. Is there something like that in the US I can buy?

And what about insurance for the short few weeks I will be driving it next year? Is there provision for that?

Have asked the transporting company about their own cover for when it is on the truck.

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Old 10-01-2017, 10:16 PM   #2
JG283
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I have comprehensive only insurance on my 57 with American collectors insurance. It covers fire, theft, vandalism. I'm not sure about transporting, I'm guessing that would be the carrier's responsibility. Allstate let's me cut the insurance back to comprehensive only on my wife's solstice convertible and ws6 trans am in the winter. It's $105 yr. @$28500 for the 57 and $12/13 mo. For book value on the Pontiacs.
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Old 10-02-2017, 09:10 AM   #3
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Quote:
Originally Posted by JG283 View Post
I have comprehensive only insurance on my 57 with American collectors insurance. It covers fire, theft, vandalism. I'm not sure about transporting, I'm guessing that would be the carrier's responsibility. Allstate let's me cut the insurance back to comprehensive only on my wife's solstice convertible and ws6 trans am in the winter. It's $105 yr. @$28500 for the 57 and $12/13 mo. For book value on the Pontiacs.
Yes, I worked at Allstate for 32 years. We called it "winter suspense" as generally it was used for insureds who put their cars away in the winter. Not sure how much a mainstream company would want to do this with no other cars on the policy.

I am not sure about classic car insurers. I have not seen such a policy with Hagerty. I think that "winter suspense" may already be baked into the rates if you are in an area that gets snow.

If you can't find something to fit your needs, You could buy a full policy with the lowest liability limits, High collision deductible and a comprehensive deductible that you are comfortable with. Should not be too expensive for six months.

Last edited by lovemy55ba; 10-02-2017 at 09:24 AM..
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