Chevy Tri Five Forum banner

1 - 17 of 17 Posts

·
Administrator & Tech Articles
Joined
·
51,264 Posts
Discussion Starter · #1 ·
Are there any classic car insurance companies that pretty much allow you to drive your car when/where you want and the vehicle does not necessarily have to be parked in a locked garage?

Hagerty's storage policy's are quite flexible....However, the usage policy is not: https://www.hagerty.com/insurance/classic-car-insurance/does-my-vehicle-qualify

Usage

A policy through Hagerty allows you to use your collector vehicle for club functions, exhibitions, organized meets, tours and even occasional pleasure driving—it just can't be your daily driver.

Storage

Though we prefer that collector vehicles are stored in an enclosed, secure structure when not in use—such as a private garage, pole barn or storage unit—we will consider other storage types, including:*
Carports
Driveways
Parking garages
Car hauling trailers
 

·
Registered
Joined
·
5,772 Posts
We have Hagerty on 6 cars, and they ask how many miles you drive each year when applying for the insurance. I just guessed on the amount, but they have never called asking how much I actually drive after I got the insurance. I think I tell them about 5,000 miles, but I don't ever drive them that much. We also got high limits on the insurance. You also get a discount for insuring multiple cars. bowtie-trifive


:gba:
 

·
Administrator & Tech Articles
Joined
·
51,264 Posts
Discussion Starter · #3 ·
Thanks Andrew....I've heard lots of good stuff about Hagerty....I was just that "occasional pleasure driving" that was turning me off.

Being in my twilight years and retired, every time I'm able to get behind the wheel and go for a drive in a TriFive its a pleasure for me.
 

·
Administrator & Tech Articles
Joined
·
51,264 Posts
Discussion Starter · #4 ·
Okay....This makes me feel better:

No fixed mileage

Our policy allows you flexible usage—with no fixed mileage limits. Even if you have full coverage through a regular car insurance carrier, there may be mileage and usage restrictions to control how and when your classic is driven.
 

·
Administrator & Tech Articles
Joined
·
51,264 Posts
Discussion Starter · #5 ·
Popping this BTT for more input from everyone
 

·
Registered
Joined
·
2,920 Posts
Unless things have changed in recent years, I believe you are going to find restrictions with any of the classic car insurance carriers. Years ago, I did my homework on all the major players in this market. I felt Hagerty was the best fit for me. I have been with them ever since and have no complaints. I remember being blown away from the quotes I received from the specialized carriers as compared to my regular insurance. There in lies the trade off. If you are okay with the restrictions, you get a good rate. If you are looking for unrestricted use, you are going to pay more. This could also vary from state to state as well. Here in Virginia, most classic car carriers won’t insure the vehicle unless the you have antique/vintage tags. With these tags, state law restricts the use anyway. If you are retired, I believe it would be difficult to disprove any claims that your drives are not for pleasure.
 

·
Registered
Joined
·
596 Posts
In Washington state, a vehicle with original or collector plates, the loophole is TESTING. Just keep a screwdriver or wrench in the glovebox or trunk! Always testing.
 

·
Administrator & Tech Articles
Joined
·
51,264 Posts
Discussion Starter · #8 ·
In Washington state, a vehicle with original or collector plates, the loophole is TESTING. Just keep a screwdriver or wrench in the glovebox or trunk! Always testing.
Great idea....THANKS!
 

·
Registered
Joined
·
3,543 Posts
One thing just don't cancel your current policy until you have a new one secured. Some classic insurers may not cover you since you had a claim with Grundy. Many years ago Hagerty denied me a policy because I had a non fault claim on my regular insurance. Strangers had thrown rocks at my daily truck causing some damage, this is a not at fault type incident which should not be used as a negative towards me, but they cited that incident as reason for denial.
 

·
Registered
Joined
·
2,316 Posts
I have Hagerty and drive my 56 when ever I wish to. In fact in my policy it doesn't state anything like what you posted, in fact it does state in my policy that they encourage me to drive my car.
 

·
Administrator & Tech Articles
Joined
·
51,264 Posts
Discussion Starter · #11 ·

·
Administrator & Tech Articles
Joined
·
51,264 Posts
Discussion Starter · #12 ·
In fact in my policy it doesn't state anything like what you posted, in fact it does state in my policy that they encourage me to drive my car.
Good to know Jim...

Found this on another search: https://www.hagertyagent.com/insurance/classic-car-insurance

I can live with these terms.

Flexible usage

Our policy allows occasional pleasure use with no fixed mileage restrictions.** With Hagerty, your client can go for a weekend drive, take their vehicle up to the local ice cream shop or attend unlimited events and cruises.

** Occasional pleasure use does not mean use for daily driving to and from work or school, routine shopping, etc.
 

·
Registered
Joined
·
227 Posts
I Have Hagerty on 2 cars on Long Island. One of the policies states the car is kept in the garage . I am allowed to take the car to work I believe twice a month. I have told them I do 5,000 miles a year . They don't need to ask you how much you drove, they can get that from your inspection. I don't have historical plates as sometimes there are restrictions like you have to be in a parade . I certainly don't need any red flags for the Police, the car has enough of them .

Good Luck Pops

Robbie OD
 

·
Registered
Joined
·
2,251 Posts
I have J C Taylor insurance o my 3 classics. My agent recommended them because I wouldn't be restricted on mileage, just couldn't be a daily driver. We're retired now, but back when we first signed up, we were working. Only daily driver with regular insurance was wife's Tahoe. They balked, said we both had to have a daily driver. Agent went to bat for us, told them we own our business, both work same place, same hours, ride together to work, and they ok'd the insurance.
Now that we are retired, I agree that it could be had to argue that any driving isn't pleasure driving. Been tired of quarantine, so we broke out the 56 and went on a 275 cruise yesterday around Southern Arizona. We've put 15,000 miles on the 56 in 20 months, but have hardly used it in 2 months due to China flu.
Funny part of the insurance, when my son-in-law bought his first toy, a 1967 Chevelle wagon, as a roller, we titled it in my name, and I added it to my policy. No problem. Had it covered for $5000.00. After we rebuilt suspension, rewired the whole car, added disc brakes, 327/700R4........and a bunch of other stuff, our agent tried to get J C Taylor to insure it for him on his own policy for $5000, and they refused. It wasn't shiny. They already had it insured, just didn't realize it. Agent sent the same pics to Hagerty and they not only insured it, they complimented him on the work and nice engine compartment. Told him to keep up the good work.
 

·
Registered
Joined
·
183 Posts
I have had Hagerty Insurance on two of my vehicles for a number of years. Very nice service/claims reps and never any problems. I have had one claim in the past with them and there were no problems. They might be a little high on cost, but you get what you pay for. I don’t carry the bare minimum on coverages either.
 

·
Registered
1955 210 5.3 carb ls swap with a 700r4
Joined
·
157 Posts
I have hagerty I like them, but they are the only classic car insurance that would insure me since I’m under 25.
 

·
Registered
Joined
·
304 Posts
I have Hagerty, even on my Porsche 996. They are cheaper than my regular carrier, and are willing to insure for agreed value, a major consideration that you may not get on a average everyday policy.
And yes, they always ask me about my "estimated yearly mileage" when opening a new policy, however, they have never checked in the 6 years and 3 cars I've had with them.
They do however always ask about my daily driver, and who it's insured with, my guess is that they want to make sure the " occasional use" car is just that, fair enough.
Greg
 
1 - 17 of 17 Posts
Top