| View previous topic :: View next topic |
| Author |
Message |
Desertbusman
Samba Member
Joined: June 03, 2005
Posts: 13063
Location: Arizona
|
 Posted: Wed Apr 11, 2012 5:31 am Post subject: Re: Insurance for Westy |
 |
|
| skills@eurocarsplus wrote: | | they don't want you using the camper as a RV.....you have to go to a automotive event. only then will they allow you to camp in it. |
Yep, that's the way it is. You can't just drive off to do some camping vacation. And very limited for personel or pleasure use. But you can use it for what it is at shows and events and to and fro from them. Sleep in it, eat in it, or whatever. Since there are automotive events about everywhere all the time around here it's no big deal. My trips to Cali, Nevada, down south and the high country pretty much always end up at a show or some organized event. And it might take a few extra days to drive there.
_________________
The best thing that anyone can do for their Bay is get the Volkswagen of America Official Service Manual published by Robert Bentley. Without it the bus is pretty much doomed.
| 73kombi wrote: | | when that red light goes on, you have to make a choice. |
| Amskeptic wrote: | I am not answering that.
Respectfully,
GoBuyABentley |
71 Superbug
71 Westy |
|
| Back to top |
|
 |
SGKent
Samba Member
Joined: October 30, 2007
Posts: 17550
Location: State Capitol CA (Sacramento)
|
| Posted: Wed Apr 11, 2012 8:35 am Post subject: |
|
|
| Quote: | | you have to go to a automotive event. only then will they allow you to camp in it. |
Skills yes - that is what they told me. The policy I have now allows camping alone other than an event. I can also use it for any daily driver type use I want even go shopping at the mall if I want to. The only downside is that I get 10,000 miles a year max and a $1000 deductible where-as the policy you have was a zero deductible but the camping had to be a sponsored event.
_________________
Steve aka Merlin the Wrench
formerly Steve's Racing and Engine Blueprinting. Wrenching since 1967.
bdamico on GF wrote | Quote: | | "When I was your age I'd plan out all sorts of stuff for the future and almost none of them came true. Just wonder if it's worth trying to be a crystal ball. " |
|
|
| Back to top |
|
|
skills@eurocarsplus
Samba Member
Joined: January 01, 2007
Posts: 3965
Location: sticksville, ct.
|
| Posted: Wed Apr 11, 2012 9:18 am Post subject: |
|
|
| SGKent wrote: | | Quote: | | you have to go to a automotive event. only then will they allow you to camp in it. |
Skills yes - that is what they told me. The policy I have now allows camping alone other than an event. I can also use it for any daily driver type use I want even go shopping at the mall if I want to. The only downside is that I get 10,000 miles a year max and a $1000 deductible where-as the policy you have was a zero deductible but the camping had to be a sponsored event. |
Again I have to review the info but let's say I head from CT to your place and we go to a show. I can camp along the way or stay at a hotel. It is still covered. Mannys66 in the split forum left new york heading to florida. He got hit on 95 in his bus. Iirc they are paying to have his bus fixed. He was heading to florida for a show....
_________________
| VWsArent4Hippies wrote: | | Whenever I click on the baywindow forum I feel like I'm entering a place where most people have no sense of reality |
| schell '59 wrote: | | The honor system works for boy scouts..not in real business |
| modok wrote: | | It was in the instructions back when stuff came with instructions |
| curtis4085 wrote: | | as most your information you give is crap anyway |
| bugger101 wrote: |
skills, you never win with cheap vw people |
|
|
| Back to top |
|
|
SGKent
Samba Member
Joined: October 30, 2007
Posts: 17550
Location: State Capitol CA (Sacramento)
|
| Posted: Wed Apr 11, 2012 9:59 am Post subject: |
|
|
| skills@eurocarsplus wrote: | | SGKent wrote: | | Quote: | | you have to go to a automotive event. only then will they allow you to camp in it. |
Skills yes - that is what they told me. The policy I have now allows camping alone other than an event. I can also use it for any daily driver type use I want even go shopping at the mall if I want to. The only downside is that I get 10,000 miles a year max and a $1000 deductible where-as the policy you have was a zero deductible but the camping had to be a sponsored event. |
Again I have to review the info but let's say I head from CT to your place and we go to a show. I can camp along the way or stay at a hotel. It is still covered. Mannys66 in the split forum left new york heading to florida. He got hit on 95 in his bus. Iirc they are paying to have his bus fixed. He was heading to florida for a show.... |
Hi Skills - I am not arguing with you - just repeating what they told me. They told me that the decision to repair or void the poliicy would be theirs in such a situation - that they could consider it daily use if they chose to because anything over 150 miles a "prudent" show person would trailer their bus. I said "so I don't own a trailer and the show is in Los Angeles which is 500 miles away. I spend the night in Bakersfield at a KOA rather than drive thru and take a risk cause I am tired. What then if the bus gets sideswiped leaving the KOA and the driver is uninsured?" They said, "the decision to insure you or call it an unisured use would be theirs to decide. If they are in a year with low losses they would probably insure but if they had high losses recently they would probably decline to cover it. They suggested I insure it myself by setting $5,000 a year aside for 5 years.
This was about 18 months ago. Since then I found the agreed value policy ($25,000 value right now and not a stated value policy but rather agreed value) that allows camping as a use. Mine is thru a well known company and the agent who found the policy is USAA so they act as a co-insurer as well. If we decide to take the bus to Raleigh this year from California and travel Route 66 along the way, see the Grand Canyon and stay in the Great Smoky Mountains and Blue Ridge then come back thru Lexington and Ohio, across the Great Plains etc - we are covered the whole way.
_________________
Steve aka Merlin the Wrench
formerly Steve's Racing and Engine Blueprinting. Wrenching since 1967.
bdamico on GF wrote | Quote: | | "When I was your age I'd plan out all sorts of stuff for the future and almost none of them came true. Just wonder if it's worth trying to be a crystal ball. " |
|
|
| Back to top |
|
|
skills@eurocarsplus
Samba Member
Joined: January 01, 2007
Posts: 3965
Location: sticksville, ct.
|
| Posted: Wed Apr 11, 2012 10:47 am Post subject: |
|
|
I'm not trying to pick a fight either. Just relaying what I was told. Who knows I may be asking you for your insurance info so I can properly insure my bus. It is a nightmare for sure....
_________________
| VWsArent4Hippies wrote: | | Whenever I click on the baywindow forum I feel like I'm entering a place where most people have no sense of reality |
| schell '59 wrote: | | The honor system works for boy scouts..not in real business |
| modok wrote: | | It was in the instructions back when stuff came with instructions |
| curtis4085 wrote: | | as most your information you give is crap anyway |
| bugger101 wrote: |
skills, you never win with cheap vw people |
|
|
| Back to top |
|
|
babysnakes
Samba Member
Joined: August 19, 2008
Posts: 3790
Location: West Boca Raton, Fla.
|
| Posted: Wed Apr 11, 2012 11:24 am Post subject: |
|
|
I'm getting on the Hagerty wagon. Seems reasonable. It's for club,show or pleasure driving and maint. That's pretty broad language. I'm heading to the NDBS in Daytona and it's a 4 hour ride. My club hdqtr's a good 30 miles away. My shop is another 1/2 in the other direction. And since I'm in S.Fla. You can't hardly drive north without aiming at some show somewhere. This is for my '72. I have a company supplied work truck and 4 other daily drivers in the driveway. I know I'll bend a rule or 2, I'll just make sure I'm heading towards one of the allowed activities. This summer I'll might be able to answer the OP's question when we start driving the Westy. Mean while I'll investigate the other ins. providers in this thread.
_________________
'69 SC under resto
'72 deluxe daily
'78 Westy motor transplant in progress
'71 super vert
1st bus, '67 Westy in '83. Thank you '74 Pontiac Ventura.
Luftwagens
420GOAT wrote:
..dont ever ever ever ever EVER, compare any bus forum to a bug forum... |
|
| Back to top |
|
|
skills@eurocarsplus
Samba Member
Joined: January 01, 2007
Posts: 3965
Location: sticksville, ct.
|
| Posted: Tue May 15, 2012 3:04 pm Post subject: |
|
|
well, as promised, after much scrutiny and back and forth with haggerty, it left me feeling like i was caught with my pant's down 
so, after sending tons of photos of both my 71 westy and 71 single, here is what they had to say
first, the truck was 'un-insurable' to them. the photos of the bed 'make it look like it was used for hauling' fucking really? what part of survivor did they not understand? i't not like it wasn't used for it's intended application for the past 41 years so, the single cab get's the boot
the westy on the other hand, they will still insure, however after listening to the girl on the phone, i had a pit in my stomach, something didn't 'feel' right. the fact that it is a camper, and i will camp in it was a grey area.
it seems that 'we don't want you to use it as a camper, but you can camp in it at a show/event' ooookaayy, so i can use it, but not really? so, at this point, i am unsure what to do or who to call
any advice? i REALLY want proper insurance, but don't want to be left out in the cold if i do camp in it at a show, or on my way to a show. bastards...
_________________
| VWsArent4Hippies wrote: | | Whenever I click on the baywindow forum I feel like I'm entering a place where most people have no sense of reality |
| schell '59 wrote: | | The honor system works for boy scouts..not in real business |
| modok wrote: | | It was in the instructions back when stuff came with instructions |
| curtis4085 wrote: | | as most your information you give is crap anyway |
| bugger101 wrote: |
skills, you never win with cheap vw people |
|
|
| Back to top |
|
|
SGKent
Samba Member
Joined: October 30, 2007
Posts: 17550
Location: State Capitol CA (Sacramento)
|
| Posted: Tue May 15, 2012 4:08 pm Post subject: |
|
|
| skills@eurocarsplus wrote: | well, as promised, after much scrutiny and back and forth with haggerty, it left me feeling like i was caught with my pant's down
so, after sending tons of photos of both my 71 westy and 71 single, here is what they had to say
first, the truck was 'un-insurable' to them. the photos of the bed 'make it look like it was used for hauling' fucking really? what part of survivor did they not understand? i't not like it wasn't used for it's intended application for the past 41 years so, the single cab get's the boot
the westy on the other hand, they will still insure, however after listening to the girl on the phone, i had a pit in my stomach, something didn't 'feel' right. the fact that it is a camper, and i will camp in it was a grey area.
it seems that 'we don't want you to use it as a camper, but you can camp in it at a show/event' ooookaayy, so i can use it, but not really? so, at this point, i am unsure what to do or who to call
any advice? i REALLY want proper insurance, but don't want to be left out in the cold if i do camp in it at a show, or on my way to a show. bastards... |
told you. If you are looking to insure a trailer queen they are the people to go to. We drive ours so American Collectors Insurance fit perfect.
_________________
Steve aka Merlin the Wrench
formerly Steve's Racing and Engine Blueprinting. Wrenching since 1967.
bdamico on GF wrote | Quote: | | "When I was your age I'd plan out all sorts of stuff for the future and almost none of them came true. Just wonder if it's worth trying to be a crystal ball. " |
|
|
| Back to top |
|
|
skills@eurocarsplus
Samba Member
Joined: January 01, 2007
Posts: 3965
Location: sticksville, ct.
|
| Posted: Tue May 15, 2012 4:35 pm Post subject: |
|
|
what has me pissed about them is the fact they won't touch the single cab. the camper restrictions i can live with, but right now i have 6 cars, registered and insured. i don't need/want 3 different bills every month. i will try american collectors, but iirc, they wouldn't touch the camper. i'll try them again
_________________
| VWsArent4Hippies wrote: | | Whenever I click on the baywindow forum I feel like I'm entering a place where most people have no sense of reality |
| schell '59 wrote: | | The honor system works for boy scouts..not in real business |
| modok wrote: | | It was in the instructions back when stuff came with instructions |
| curtis4085 wrote: | | as most your information you give is crap anyway |
| bugger101 wrote: |
skills, you never win with cheap vw people |
|
|
| Back to top |
|
|
my59
Samba Member
Joined: August 13, 2003
Posts: 1766
Location: connecting the dots
|
| Posted: Tue May 15, 2012 8:21 pm Post subject: |
|
|
Hagertys told me right up front that 'using the vehicle for its intended purpose' would not be covered. They do not want pick ups hauling loads, or westys being used for camping.
The real reason I did the antique thing was to save money. 3 drivers, 6 cars-3 on 'normal' insurance, 2 on antique, 1 unregistered. Oh, too bad one of the consequences is that my 17 yr old cannot drive either AC VW.
Its a shame that auto insurance goes with the vehicle- it would make so much sense if it went with the person- hell, you can only drive one car at a time, and if it was carried in your pocket, how often would cars be lent out?
_________________
my59: Well son, my grandfather died before I got to drive it, so does that answer your question?
our79: sunroof bus w/camper interior and 2.0 FI
Other:'83 MB 300CD, '89 MB 190 2.6 5 speed, '93 Volvo 240, '68 Volvo 144s and yeah, '01 NB turbo |
|
| Back to top |
|
|
SGKent
Samba Member
Joined: October 30, 2007
Posts: 17550
Location: State Capitol CA (Sacramento)
|
| Posted: Tue May 15, 2012 9:41 pm Post subject: |
|
|
| my59 wrote: | Hagertys told me right up front that 'using the vehicle for its intended purpose' would not be covered. They do not want pick ups hauling loads, or westys being used for camping.
The real reason I did the antique thing was to save money. 3 drivers, 6 cars-3 on 'normal' insurance, 2 on antique, 1 unregistered. Oh, too bad one of the consequences is that my 17 yr old cannot drive either AC VW.
Its a shame that auto insurance goes with the vehicle- it would make so much sense if it went with the person- hell, you can only drive one car at a time, and if it was carried in your pocket, how often would cars be lent out? |
what you drive is a factor in what kind of risk you and your passengers are. A 25 year old in a Shelby Cobra is a bigger risk than a 25 year old in a Toyota Corolla.
Skills - if American Collectors won't take a Westy or SC/DC let us know so we won't suggest them next time.
_________________
Steve aka Merlin the Wrench
formerly Steve's Racing and Engine Blueprinting. Wrenching since 1967.
bdamico on GF wrote | Quote: | | "When I was your age I'd plan out all sorts of stuff for the future and almost none of them came true. Just wonder if it's worth trying to be a crystal ball. " |
|
|
| Back to top |
|
|
SGKent
Samba Member
Joined: October 30, 2007
Posts: 17550
Location: State Capitol CA (Sacramento)
|
| Posted: Tue May 15, 2012 9:43 pm Post subject: |
|
|
| my59 wrote: | Hagertys told me right up front that 'using the vehicle for its intended purpose' would not be covered. They do not want pick ups hauling loads, or westys being used for camping.
The real reason I did the antique thing was to save money. 3 drivers, 6 cars-3 on 'normal' insurance, 2 on antique, 1 unregistered. Oh, too bad one of the consequences is that my 17 yr old cannot drive either AC VW.
Its a shame that auto insurance goes with the vehicle- it would make so much sense if it went with the person- hell, you can only drive one car at a time, and if it was carried in your pocket, how often would cars be lent out? |
what you drive is a factor in what kind of risk you and your passengers are. A 25 year old in a Shelby Cobra is a bigger risk than a 25 year old in a Toyota Corolla.
Skills - if American Collectors won't take a Westy or SC/DC let us know so we won't suggest them next time. It pisses me off too all these insurance scams that so many of these companies promote.
_________________
Steve aka Merlin the Wrench
formerly Steve's Racing and Engine Blueprinting. Wrenching since 1967.
bdamico on GF wrote | Quote: | | "When I was your age I'd plan out all sorts of stuff for the future and almost none of them came true. Just wonder if it's worth trying to be a crystal ball. " |
|
|
| Back to top |
|
|
skills@eurocarsplus
Samba Member
Joined: January 01, 2007
Posts: 3965
Location: sticksville, ct.
|
| Posted: Wed May 16, 2012 5:19 am Post subject: |
|
|
Thanks SG....the thing with the single cab is I have another truck. I have not even used the single for hauling. They denied it because the bed isn't mint and shows rubbed through paint
_________________
| VWsArent4Hippies wrote: | | Whenever I click on the baywindow forum I feel like I'm entering a place where most people have no sense of reality |
| schell '59 wrote: | | The honor system works for boy scouts..not in real business |
| modok wrote: | | It was in the instructions back when stuff came with instructions |
| curtis4085 wrote: | | as most your information you give is crap anyway |
| bugger101 wrote: |
skills, you never win with cheap vw people |
|
|
| Back to top |
|
|
a-marshal
Samba Member
Joined: March 21, 2009
Posts: 138
Location: Toronto
|
| Posted: Wed May 16, 2012 5:28 am Post subject: |
|
|
| skills@eurocarsplus wrote: | it seems that 'we don't want you to use it as a camper, but you can camp in it at a show/event' ooookaayy, so i can use it, but not really? so, at this point, i am unsure what to do or who to call
any advice? i REALLY want proper insurance, but don't want to be left out in the cold if i do camp in it at a show, or on my way to a show. bastards... |
I got the same basic story with Hagerty with the following caveat.. All their policies forbid driving the vehicle on VACATION since that is considered “daily driving” and unless you are actually AT the show any camping is considered vacation.
I don’t know if that is accurate since I’ve been told so many stupid things by agents I’m not sure what to believe anymore, but at least it sounds plausible.
I’ve been going through the process again this year since my recent renewal came in at two and a half times the price of last years.
If you only use it as a camper (like us) one possible route that may be worth exploring was to insure it as a Class B camper van with RV insurance, unfortunately as a ’73 my Westy did not have a Fridge/Stove/Toilet and I would have needed 2 of the 3 to be a camper. (at least that was the excuse) |
|
| Back to top |
|
|
skills@eurocarsplus
Samba Member
Joined: January 01, 2007
Posts: 3965
Location: sticksville, ct.
|
| Posted: Wed May 16, 2012 1:43 pm Post subject: |
|
|
| SGKent wrote: |
Skills - if American Collectors won't take a Westy or SC/DC let us know so we won't suggest them next time. It pisses me off too all these insurance scams that so many of these companies promote. |
fuckers. they won't touch a camper either. they are *thinking* about the single cab, and "need more time to go over things with the underwriters"
i just sent them more photo's of both cars. this dosen't need to be this difficult......
_________________
| VWsArent4Hippies wrote: | | Whenever I click on the baywindow forum I feel like I'm entering a place where most people have no sense of reality |
| schell '59 wrote: | | The honor system works for boy scouts..not in real business |
| modok wrote: | | It was in the instructions back when stuff came with instructions |
| curtis4085 wrote: | | as most your information you give is crap anyway |
| bugger101 wrote: |
skills, you never win with cheap vw people |
|
|
| Back to top |
|
|
One Owner
Samba Member
Joined: August 09, 2005
Posts: 243
Location: Nahville,TN
|
|
| Back to top |
|
|
Greg in GA
Samba Member
Joined: April 12, 2011
Posts: 182
Location: Georgia
|
| Posted: Thu May 17, 2012 6:43 am Post subject: |
|
|
| One Owner wrote: | Progressive...no issues
Ray |
Does progressive have a garanteed payout? I can only imagine what a 40 year old camper would be valued at.
_________________
1969 Beetle
1974 Westy 1800cc FI conversion |
|
| Back to top |
|
|
Whitley
Samba Member
Joined: January 04, 2010
Posts: 154
Location: Smiths Grove, KY
|
| Posted: Thu May 17, 2012 7:21 am Post subject: |
|
|
I insured my 76 Westy with Ky Farm Bureau. They wrote a full coverage/$15,000 declared value policy since its not my primary driver. No big deal, costs about $15 per month since we have all our insurance through them.
_________________
Third and Sixth owner of a 76 Westy
What I do- www.mwhitley.com
Dig Americana Music? www.markwhitleyband.com |
|
| Back to top |
|
|
ghiastein
Samba Member
Joined: July 01, 2008
Posts: 132
Location: Kalamazoo, MI
|
| Posted: Thu May 17, 2012 8:16 am Post subject: |
|
|
My Bus is just a driver/camper and not really worth tons. I tried to insure it as regular vehicle so I can use it whenever. I had it quoted with an agreed value of what I thought my bus was worth to replace. After receiving my quote I was shocked to find out that is was going to cost me more to insure the bus than my daily driver. After doing the math I figured out that within 3 years my insurance cost would equal the full amount I have invested in my Bus. So what I decided on is by just carrying liability insurance and keeping enough money in savings to replace my bus. I can fully enjoy my bus and replace it if needed.
_________________
1969 Karmann Ghia Lowered w/B6 engine 1600cc sp
1970 Westy Bus 1600cc sp |
|
| Back to top |
|
|
skills@eurocarsplus
Samba Member
Joined: January 01, 2007
Posts: 3965
Location: sticksville, ct.
|
| Posted: Thu May 17, 2012 9:10 am Post subject: |
|
|
Called Grundy today. Willing to do a agreed value policy very few limitations, and I can use it for whatever whenever as long as it isn't 100% for daily use. I can use the single as a truck and the camper as a camper....imagine that! Waiting for more info....
_________________
| VWsArent4Hippies wrote: | | Whenever I click on the baywindow forum I feel like I'm entering a place where most people have no sense of reality |
| schell '59 wrote: | | The honor system works for boy scouts..not in real business |
| modok wrote: | | It was in the instructions back when stuff came with instructions |
| curtis4085 wrote: | | as most your information you give is crap anyway |
| bugger101 wrote: |
skills, you never win with cheap vw people |
|
|
| Back to top |
|
|
|
