Insurance / Hagerty warning

shano63 · Posted: Wed Aug 31, 2011 7:31 pm Post subject:

I have Hagerty for both the westy and the beetle. They didn't give me a hard time with the camper. They didn't ask for a pic of it in a garage either. $242 a year for both with $10k for the bug and $15k for the westy. Much better than $1050 for both with Nationwide and no agreed value.
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iowegian · Posted: Wed Aug 31, 2011 8:28 pm Post subject:

kingd33 · Posted: Thu Sep 01, 2011 3:56 am Post subject:

babysnakes · Samba Member Joined: August 19, 2008 Posts: 7107

The Sage · Posted: Thu Sep 01, 2011 6:52 pm Post subject:

Cusser · Posted: Mon Mar 09, 2015 7:01 pm Post subject:

Bringing this post back to life.

Hagerty responded in writing to me TODAY that I could take my '71 VW to dinner, to my high school reunion, out for ice cream, even could drive it to work occasionally.

Condon & Skelly -who I'm currently with - says "Einfach Verboten" !!! I spoke with their rep today, with the same queries posed to Hagerty.

So looks like I'll be switching, don't want to face a potential fight with Condon & Skelly. For example, in October, I drove the VW to a local VW show. But I didn't "show" my VW, so was that "an allowed usage" under Condon-Skelly? I'm not so sure.

And is taking the car to the gas station a "pleasure drive"? What about a test drive when you're not sure a repair has been done successfully - is that a "pleasure drive" ???
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1970 VW (owned since 1972) and 1971 VW Convertible (owned since 1976), second owner of each. The '71 now has the 1835 engine, swapped from the '70. Second owner of each. 1988 Mazda B2200 truck, 1998 Frontier, 2014 Yukon, 2004 Frontier King Cab. All manual transmission except for the Yukon. http://www.thesamba.com/vw/forum/album_page.php?pic_id=335294 http://www.thesamba.com/vw/forum/album_page.php?pic_id=335297

billfred1 · Posted: Tue Jun 02, 2015 8:26 am Post subject:

Good information. I didn't read everything. I was planning on switching over my 66 to Hagerty. They could give me a $6k agreed value for $150/year including the roadside assistance. My current company would only insure for $3k.

My local insurance agent says I just need to provide pics of the car.

I do occassionally drive this to work or pick up the kids from school. I wonder if I should e-mail and get confirmation also?
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Bill
1966 Beetle

Cusser · Posted: Tue Jun 02, 2015 12:12 pm Post subject:

My Hagerty policy went into effect today.

When I drove the VW last Sunday (a pleasure drive, I swear !!!), I thought about how Condon-Skelly or any other insurer would feel if I had a claim in the last week the policy was in effect. But I'd bet that they've seen that before, too.
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1970 VW (owned since 1972) and 1971 VW Convertible (owned since 1976), second owner of each. The '71 now has the 1835 engine, swapped from the '70. Second owner of each. 1988 Mazda B2200 truck, 1998 Frontier, 2014 Yukon, 2004 Frontier King Cab. All manual transmission except for the Yukon. http://www.thesamba.com/vw/forum/album_page.php?pic_id=335294 http://www.thesamba.com/vw/forum/album_page.php?pic_id=335297

billfred1 · Posted: Wed Jun 03, 2015 5:25 am Post subject:

Here's the e-mail I just got from them....

Our policy is a flexible, limited use policy. We do not, however, limit you to just show and club use. Occasional pleasure driving fits our underwriting guidelines, but our policy is not intended for vehicles regularly driven to work or school or for running errands.
We look for usage that is consistent with owning a valuable automobile and the availability of insured regular use vehicles for daily transportation. While the average mileage generally put on a collector vehicle is approximately 2,000-3,000 miles annually, our policy language does not state a specific mileage limitation.

Also, does anyone know if most insurance companies cover your car when it is being towed (say like with a towbar)?
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Bill
1966 Beetle

Erik G · Posted: Wed Jun 03, 2015 8:59 am Post subject:

billfred1 · Posted: Wed Jun 03, 2015 9:33 am Post subject:

OK thanks.

What are the opinions on Grundy vs Hagerty? The price is about the same.

Will they also allow me to drive it to work and run errands?
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Bill
1966 Beetle

Cusser · Posted: Wed Jun 03, 2015 11:51 am Post subject:

crukab · Posted: Thu Jun 04, 2015 1:32 pm Post subject:

I just got off the phone w/a Insurance Co. that offers Hagerty here in Vt., they said Hagerty only allows for 3,500 miles/year for my Singlecab, which won't cut it, I did 8,300 in the Single last year, they are looking at a "Inland Marine" policy for me........
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skills@eurocarsplus · Posted: Thu Jun 04, 2015 1:43 pm Post subject:

tom

check out grundy. you honestly do so much travel to shows etc, you won't have a problem.

I was told that I can use my stuff how I please, just not as a daily and they had no problem with cross country trips etc as long as it was car show related
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Zylinderkopf · Posted: Fri Jun 05, 2015 4:21 am Post subject:

I'm surprised nobody's mentioned Chubb. They invented agreed value coverage, have no mileage restrictions and have the best claims reputation in the business. They're more after the high dollar cars, but I had no problem getting all of mine insured with them.
http://www.chubbcollectorcar.com/agreed-value-coverage
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123386 · Samba Member Joined: November 13, 2007 Posts: 141

I read this entire post. Still having one hell of a time finding affordable DD insurance in California for my 63 KG. This Chubb company sounds hopeful. I will post my results on Tuesday. There has to be be some independent common sense underwriters out there!

gt1953 · Posted: Sat Sep 05, 2015 6:56 am Post subject:

average mileage generally put on a collector vehicle is approximately 2,000-3,000 miles annually

I drove my 73 standard 3100 miles round trip to a show near Kansas City Mo. Took the long distance award. I was covered by Haggerty. Heck just going to the Phoenix area shows/swaps for me is about 500 miles round trip.
Jerome Bus Jamboree roundtrip is an easy 400 miles. it adds up fast.
When I signed on with Haggerty I told them about this and they said not an issue.
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Volktales · Posted: Sat Sep 05, 2015 11:00 pm Post subject:

One of the guys in our local VW community recently contacted Hagerty about insurance for his restored '77 Westfalia. This is a garage kept vechicle with collector plates. They asked him if he might go camping in it and he said possibly. They immediately turned him down stating they don't cover camping at all. Then he asked what if he didn't go camping in it? Too bad, because he already expressed the possibility of camping, they refused to insure him. This is disturbing because MY agreed value insurance is with Hagerty, and they asked me NO questions about this. And it is very obvious from the pictures I sent them that this is a camper van... Realistically not insuring a camper van for camping purposes is completely ridiculous. As a "speciality" insurance provider, they really should know better. And now I am worried about going to multi day shows, even though we stayed with friends and did not sleep in the bus. I guess parked in the friend's driveway would have been a breach of the rules... None of this was mentioned when I signed up for this insurance by the way...
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1974 "Restfalia" Camper 2000 cc EFI 2001-
1970 Beetle first car, rotten, yard art 1985-
1966 Sunroof Beetle, restored 1998-
1964 Ghia, ongoing project 2007-
1962 Beetle Beryl,original paint survivor 2012-
1970 Savannah Beige Beetle 2012-
1992 16v GTI, 100% stock 2006-
1991 "Terseo", wife's old daily 1995-
1969 Chevrolet CST/10 (family owned since new)
1965 Gold Corvair Monza 2021-
1966 and 1965 Monza 2022-

errrrc · Posted: Fri Nov 25, 2016 11:14 pm Post subject:

63 vwnotch · Posted: Sat Nov 26, 2016 9:33 am Post subject: Re: Insurance / Hagerty warning

I've had Hagerty in the past and just used them again a couple months ago while I've never had a claim they seem to pay out when/if needed... they allow as much or more frequent driving than others and seem more lenient when it comes to a claim.. As long as you have another vehicle that is insured for DD...

They allow you to use your car as its intended just as long as it's not a DD,you can drive it to work 3 X a week, errands, car shows etc.. I haven't read anywhere in my policy yet where there is mileage stipulated for a "car show", so as far as cross country travel I guess if there is a car show along the way you are good to go Wink

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