TheSamba.com :: View topic - Insurance - Who's gonna cover my ride AND let me drive it!

Wed Aug 20, 2025 6:11 pm

mrinnovation1 wrote: I had Hagerty some years back but did not go to them this time as I remembered a requirement that every licensed driver in the household had to have his own daily driver before a classic vehicle could be insured with them. Did I get that right and is it still a requirement? We have 3 licensed drivers but only 2 daily drivers. I had heard that Hagerty would forgo that requirement but then the premiums were much higher.
I have been using Hagerty for insurance on my bug for close to a decade now. Their rates and coverage options are pretty good, IMO (or they have been for me, anyway).

There were several licensed drivers in our household back when I first applied for coverage, but I only remember them requiring me to show proof of one other car registration at the time, as a designated “daily driver”. I was also required to send them a photograph of my Beetle. Our rates were slightly higher initially, because we only had a shed for storage at the time (no door), which they considered equivalent to a “carport” for security considerations. Expected annual mileage was discussed only in very generalized terms w/ the underwriter — there was no hard upper limit set, IIRC. They seemed to be ok w/ me driving it around town and to work on occasion.

I’ve had no hassles w/ them to date (albeit haven’t had to make any claims w/ them either) — seems like good insurance, so far.

Thu Aug 21, 2025 7:30 am

X2 on hagerty, my experience has been similar to the post above.

Thu Aug 21, 2025 10:43 am

I suppose I could give Ned Ryerson a call. Anyone have his number? :idea:

Thu Aug 21, 2025 8:03 pm

I use normal full coverage insurance, but made sure the policy has an appraisal clause. If it's ever in an accident and they're not valuing it correctly, you can invoke the appraisal clause and hire a third party appraiser. The insurance company also hires and appraiser, and the two work to accurately value it The insurance company has to go by the value they set.

I had to do this when my older but starting to become collectible daily had a tree limb fall on it which totaled it, and the appraiser ended up valuing it at 6.5x what the insurance company initially said it was worth. It was at the age where KBB value had hit rock bottom but clean examples had started bringing good money because they'd become hard to find, but the insurance company and KBB and CCC never account for that. Make sure you keep good records of any work you do to it, that'll help the appraisal value.

You can hire a company like Collision Safety Consultants to handle the appraisal , they have tons of success stories posted on their fb an instagram accounts.

Fri Aug 22, 2025 3:21 pm

mrinnovation1 wrote: I had Hagerty some years back but did not go to them this time as I remembered a requirement that every licensed driver in the household had to have his own daily driver before a classic vehicle could be insured with them. Did I get that right and is it still a requirement? We have 3 licensed drivers but only 2 daily drivers. I had heard that Hagerty would forgo that requirement but then the premiums were much higher.

I'm waiting for a reply back but its not good news. Here is a partial reply from Hagerty: "A lack of one daily use vehicle is not typically an issue for our policies for classic vehicles. However, the vehicle insured with Hagerty cannot be used for backup regular driving when the daily driver is being used by your wife/yourself." I also went directly to Hagerty's qualifications and you cannot get their classic insurance on any motorized camper. Since I have a Westfalia, it doesn't qualify for coverage. If you happen to have Hagerty classic car insurance for your Vanagon Westfalia and you insured it as just a Vanagon, I think you'll be SOL if you make a claim.