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Fri Jan 17, 2014 11:51 am

Yep, Hagerty = garage. I thought that was pretty well understood.

Fri Jan 17, 2014 11:56 am

DougB wrote: ...and you're on a Mac running the latest version of OSX?
If that was directed towards me, no, I don't use any of Apple's shitty products.

Fri Jan 17, 2014 12:00 pm

just get a daily driver policy. It won't cover you as well as to value but at least you'll have a policy until you can meet the criteria of a collector policy. A collector policy will also mean strict limits on how you can use it. Haggerty just wants certain risks.

Our insurance company agreed to cover us on limited daily driver use but it still has to be garaged at night in its primary location. We also have to maintain a separate car for each driver in the HOUSEHOLD.

Do get a professional appraisal on your bus to protect you as to value if you ever have to use the policy.

Quote: then why wouldn't their application form enforce the restriction

They market , e.g., cast a wide net. Four or five years ago an underwriter of one of the big companies even approved our policy and took an e-check only to have the head underwriter call the next day and decline it because we planned to camp in it a couple times a year in National Parks. You just have to get over it and rise to the challenge. Don't get stuck on it.

Fri Jan 17, 2014 12:08 pm

My main home computer is an iMac running the latest OSX and Firefox has been giving me fits for the last several months. I'm assuming there will be a fix coming so I've been patiently working around the unexpected quits. Never been on the Hagerty website.

I really don't understand what the big deal is for common insurance companies to insure our daily drivers at market value. Take a quick look out your window. Almost every car you see parked out there is worth $20K or more and they have no problem covering them.

About 10 years ago I insured my bus through USAA which has an affiliation with Collectors Insurance. I got the person on the phone and understood right away that the bus HAD to be garaged. There were other stipulations which I'm sure you know about like mileage, drivers age, etc. The thing is it was super cheap at like $80/year with full coverage and zero deductable. At those prices I think you can understand why they are picky.

Can you just find a small garage nearby to rent?

Fri Jan 17, 2014 12:14 pm

I did get a response from Hagerty to a tweet I made, and they indicated that they're looking into developing insurance for more frequently driven classic cars in 2014. It could have been lip service, but if it's true it could be a very nice development for the VW community (which it seems safe to say probably logs the greatest volume of miles on its classic cars, annually).

Fri Jan 17, 2014 12:26 pm

Quote: our daily drivers at market value.

they do Gary. Market to them is what they can buy a car for in SIMILAR APPEARANCE and DRIVABILITY somewhere within 1000 miles of where you live. You'll notice that the fine print in your USAA policy - your primary policy, says that USAA only guarantees the car will look the same, they don't guarantee it will have the same value.

Fri Jan 17, 2014 12:30 pm

DougB wrote: I did get a response from Hagerty to a tweet I made, and they indicated that they're looking into developing insurance for more frequently driven classic cars in 2014. It could have been lip service, but if it's true it could be a very nice development for the VW community (which it seems safe to say probably logs the greatest volume of miles on its classic cars, annually).

We still suffer from the effects of the 2008 meltdown. Most of these companies get re-insurance from other carriers so they split the loss. On our policy for example, American Bankers of FLA underwrites American Collectors who is insuring a USAA insured. Haggerty may not have someone who will take such a large risk as their portfolio would present if daily driving were included under the contract. Even on our policy the rules are very strict. Although more are allowed, we only drive our bus maybe 500 - 1000 miles a year mostly around town to keep the battery charged or a Saturday night drive, club charity event etc. Many true collector cars don't even get driven. Look at one of these Fantom Work shows where someone gets a caddy restored for $80,000. Does anyone think the car would sell for that in an auction? The only way out would be an agreed value policy then have it get stolen. The insurance companies know this and have to be careful not to be the only buyer of that value.

Fri Jan 17, 2014 12:48 pm

I use American Family Ins. Classic auto policies. Had my vehicles appraised and they agreed on the values. Really not many restrictions. Maybe just a garage.

79 Westy insured for $40k
78 transporter 18k
65 SIngle Cab 22k.

Regular policy limits where low.

10k for Westy
8k for transporter
8k for Single Cab.

You can see why a good classic policy could cover your arse if you suffer a loss.

Fri Jan 17, 2014 12:53 pm

Maybe it's just time for me to get a garage :wink:

Fri Jan 17, 2014 1:16 pm

DougB wrote: Maybe it's just time for me to get a garage :wink:

Try yours or some one like American Family and have your rig appraised and have insurance company give you a written agreed value. I have staents from my underwriters confirming my values. American family doesn't have a mileage cap. I have all my cars insured threw AMF 8 vehicles in total and only cost me something like $160 a month.

Fri Jan 17, 2014 1:19 pm

Getting an appraisal shouldn't be an issue, and I have plenty of receipts. I'll definitely check them out...thanks for the pointer!! :D

Fri Jan 17, 2014 1:28 pm

I don't see anyone mentioning Allstate. I like them for several reasons, mostly bus-specific.

1- My agent has a pristine Vanagon Syncro, and he knows what the bus is worth. Because of that, he's able to advise me honestly from experience on both sides of the claim spectrum.

2- No milage limit, no camping restrictions, no garage requirement. This could be because of my agent, but I need these clauses. I move a lot, since I can't afford a house anywhere near my workplace. I'm constantly moving and temporarily living out of the bus every year or so. I take tons of camping trips, and I average almost 10k miles a year. I drive it every day for the last 6 months at least. That being said, I DO NOT have a "classic" policy. I drive it daily and it's worth as much as many cars on the road now. Any other 40+ year-old car isn't seeing the action that our buses do. Insure accordingly.

3- Every 6 months I have a meeting with my agent and we go over eBay ads, Samba classifieds, and local listings to agree on a value of my bus. I have over fifty photos on file with them of my buses condition, and I take new ones anytime I do a refresh or rehab on something cosmetic. (They don't seem to care about the receipts for the NOS shifter components, drivetrain components, or other restored mechanical components, although I save all receipts and document all my work down the the hour and dollar.)

4- We have a signed agreement that they can not total the bus without my written permission. Many claim inspectors, adjusters, and agents would total a nice bus in a fender bender. Careful of that.

Fri Jan 17, 2014 1:37 pm

curtis4085 wrote: DougB wrote: Maybe it's just time for me to get a garage :wink:

Try yours or some one like American Family and have your rig appraised and have insurance company give you a written agreed value. I have staents from my underwriters confirming my values. American family doesn't have a mileage cap. I have all my cars insured threw AMF 8 vehicles in total and only cost me something like $160 a month.

And they dont mind if you take your westy out in the woods camping for the weekend?

Fri Jan 17, 2014 1:57 pm

Wow, this is all great info...many thanks, AsiaB3! So it seems that my best route might be to have a conversation with my current company to see what options may exist for better coverage on the current value (which would be substantiated by an appraisal, the receipts I have and ads for similar condition vehicles). I'll go that route first.

Thanks again!

Fri Jan 17, 2014 2:09 pm

SGKent wrote: just get a daily driver policy. It won't cover you as well as to value but at least you'll have a policy until you can meet the criteria of a collector policy. A collector policy will also mean strict limits on how you can use it. Haggerty just wants certain risks.

Our insurance company agreed to cover us on limited daily driver use but it still has to be garaged at night in its primary location. We also have to maintain a separate car for each driver in the HOUSEHOLD.

Do get a professional appraisal on your bus to protect you as to value if you ever have to use the policy.

Quote: then why wouldn't their application form enforce the restriction

They market , e.g., cast a wide net. Four or five years ago an underwriter of one of the big companies even approved our policy and took an e-check only to have the head underwriter call the next day and decline it because we planned to camp in it a couple times a year in National Parks. You just have to get over it and rise to the challenge. Don't get stuck on it.

Maybe useful info along the lines of blue book vs agreed value...

I had a suburban, which were going for around $6k several years ago in good shape. I bought it for $3k. I insured it as a normal daily driver. When a drunk and high kid slammed into it while parked one day the insurance company wanted to give me blue book for it.., around $1200. It ended up with me going to the insurance commissioners office for the state and he said to find all the ads close to my area for a comparable vehicle and tell the insurance company this is the "market value" for the vehicle. And to let them know that I got this info from the commissioners office. They paid me $5500 shortly after for the totaled truck. And I kept the truck and sold it for $500 more with a salvage title.

Hope it helps

Fri Jan 17, 2014 3:11 pm

DougB wrote: Thanks for nothing, Hagerty. Please just GFY.

It's time to get a clue. :lol:

Hagerty in the long run and in the big overall picture is still the very best of insurance carriers hands down. 8)
No one even comes close to matching Hagerty.
I don't have a garage either and likewise no Hagerty coverage. :cry:

Fri Jan 17, 2014 3:43 pm

Earlier today after seeing this thread, I opened up a Chat window on the Hagerty web site and asked them why they let people select driveway/car port/other non-garage options when filling out their forms.

They stated they want to be very specific about what people have and apart from the "driveway" option, some of the other options they may cover, depending on your location, local weather, and pending photos of the carport or other storage facility.

They also stated they do expect people to read the insurance requirements on the web site. The same page that VDubtech mentioned.

I recommended they add something to the "Help" box for that particular storage selection box and it may be misleading to the inexperienced and the chat person said they would pass along my suggestion.

They also don't insure some types of vehicles, such as some Truck and Campers. They would not insure my Double Cab because it is a worn original and I honestly told them I actually use it to haul stuff to shows in the bed. I did not spaz. :)

Fri Jan 17, 2014 4:20 pm

I use State Farm. I have 3 cars, wife's engagement ring and my home owners with them. Great muti-discount. The asked what my bus was worth, I threw out $10K the said ok. No restrictions and full glass coverage with $0 deductible. Good luck with your quest.

Fri Jan 17, 2014 4:56 pm

I can't wait until one of you starts whining again about how expensive yellow buckets are, or the prices people are asking for things...like I'm the only spaz on this forum :D :lol:

Fri Jan 17, 2014 5:05 pm

State Farm insured as a Motorhome, the classic was restrictive, regular car insurance was rather high