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elizer 
Samba Member
Joined: May 02, 2016
Posts: 1466
Location: Northern Virginia
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 Posted: Thu Jan 18, 2018 7:33 pm Post subject: Re: Insurance policy for your Vanagon |
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| Haggerty and every collector / specialty car insurance company won't let you camp inside your van as well. |
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dobryan
Samba Member
Joined: March 24, 2006
Posts: 16504
Location: Brookeville, MD
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elizer
Samba Member
Joined: May 02, 2016
Posts: 1466
Location: Northern Virginia
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| Posted: Fri Jan 19, 2018 4:57 am Post subject: Re: Insurance policy for your Vanagon |
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I currently use foremost through USAA. It's insured as a RV. I made sure they could insure it even though it didn't have a pooper. It has stated value coverage. They said I could get appraisals and update the value, but ... it's still stated value so I don't know how it will work if something did happen.
I honestly just want an agreed value policy and am willing to pay a higher premium. If anyone in VA finds one let me know. Oh and I don't think I can fit my van in the garage either. |
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Abscate
Samba Member
Joined: October 05, 2014
Posts: 22668
Location: NYC/Upstate/ROW
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| Posted: Fri Jan 19, 2018 6:45 am Post subject: Re: Insurance policy for your Vanagon |
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Are they building garages for Smart Cars nowadays? A Westie isn't that big and fits under any standard 7 foot door.
???
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.ssS! |
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elizer
Samba Member
Joined: May 02, 2016
Posts: 1466
Location: Northern Virginia
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| Posted: Fri Jan 19, 2018 8:03 am Post subject: Re: Insurance policy for your Vanagon |
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| Abscate wrote: |
Are they building garages for Smart Cars nowadays? A Westie isn't that big and fits under any standard 7 foot door.
??? |
I have no idea whats going on. I am right around 7' 2" at the highest point (the little hump where the poptop meets the luggage). So I just barely don't fit. 215/65/16 ko2. Syncro heavy duty schwenk springs and OME shocks. I got the springs done a few months ago maybe it hasn't settled yet.
I guess I could just load it down lol |
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dobryan
Samba Member
Joined: March 24, 2006
Posts: 16504
Location: Brookeville, MD
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| Posted: Fri Jan 19, 2018 8:04 am Post subject: Re: Insurance policy for your Vanagon |
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| elizer wrote: |
I currently use foremost through USAA. It's insured as a RV. I made sure they could insure it even though it didn't have a pooper. It has stated value coverage. They said I could get appraisals and update the value, but ... it's still stated value so I don't know how it will work if something did happen.
I honestly just want an agreed value policy and am willing to pay a higher premium. If anyone in VA finds one let me know. Oh and I don't think I can fit my van in the garage either. |
So be careful with a stated value policy. It is much worse than just a regular policy. A stated value sets the MAX value for the vehicle, not the actual insurance payout if a total loss. They will still be able to compensate less based on market value and you'll argue with them about that. A regular policy will also pay out based on market value.
Either get an agreed value policy, which does set the actual insurance payout if a total loss, or just a regular policy. As the vehicle appreciates you will need to up the agreed value, typically based on an appraisal at your expense.
If you have a regular policy you can still get an appraisal and keep it in a drawer in case it is needed, like for a total loss by fire which wipes out any ability to assess the condition of the vehicle before the fire, BTDT.
_________________
Dave O
'87 Westy w/ 2002 Subaru EJ25 and Peloquin TBD
"To travel hopefully is a better thing than to arrive." Robert Louis Stevenson
MD>Canada>AK>WA>OR>CA>AZ>UT>WY>SD
https://www.thesamba.com/vw/forum/viewtopic.php?t=620646
Building a bus for travel in Europe (euroBus)
https://www.thesamba.com/vw/forum/viewtopic.php?t=695371
The Western Syncro build
https://www.thesamba.com/vw/forum/viewtopic.php?t=746794 |
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elizer
Samba Member
Joined: May 02, 2016
Posts: 1466
Location: Northern Virginia
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| Posted: Fri Jan 19, 2018 8:25 am Post subject: Re: Insurance policy for your Vanagon |
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Ok I should clarify. So the policy is ACV, but I can send in appraisals which will raise the "stated value" on record. But, if I do get into an accident and they try to give me less or the last stated value is lower than current value my insurance company and I will both hire our own independent appraisers and work out a mediation. At least that is what it says in the policy documents.
The agent explained to me a lot of people have rvs and classic airstreams that they use so they go through this process pretty often. But who knows |
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dobryan
Samba Member
Joined: March 24, 2006
Posts: 16504
Location: Brookeville, MD
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| Posted: Fri Jan 19, 2018 9:15 am Post subject: Re: Insurance policy for your Vanagon |
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| elizer wrote: |
Ok I should clarify. So the policy is ACV, but I can send in appraisals which will raise the "stated value" on record. But, if I do get into an accident and they try to give me less or the last stated value is lower than current value my insurance company and I will both hire our own independent appraisers and work out a mediation. At least that is what it says in the policy documents.
The agent explained to me a lot of people have rvs and classic airstreams that they use so they go through this process pretty often. But who knows |
This sounds like a reasonable policy to me.
_________________
Dave O
'87 Westy w/ 2002 Subaru EJ25 and Peloquin TBD
"To travel hopefully is a better thing than to arrive." Robert Louis Stevenson
MD>Canada>AK>WA>OR>CA>AZ>UT>WY>SD
https://www.thesamba.com/vw/forum/viewtopic.php?t=620646
Building a bus for travel in Europe (euroBus)
https://www.thesamba.com/vw/forum/viewtopic.php?t=695371
The Western Syncro build
https://www.thesamba.com/vw/forum/viewtopic.php?t=746794 |
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detoxed
Samba Member
Joined: May 10, 2014
Posts: 68
Location: S. Florida
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| Posted: Fri Jan 19, 2018 10:19 am Post subject: Re: Insurance policy for your Vanagon |
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Interesting thread that has my attention. I've been thinking about the policy I have presently on my 84 tintop with a conversion and a stack of upgrade receipts including a repaint: surely wouldn't come remotely close to even reasonable value.
Recently had to deal with the "insurance man" over the total loss value of a car, not fun with a lot of back and forth which is a game to wear you down to just throw in towel and accept their dribble.
Who would be a suggestion source for an appraisal for a Vanagon? |
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Free Range Bus
Samba Member
Joined: January 27, 2015
Posts: 4
Location: Portland
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| Posted: Mon Feb 12, 2018 5:26 pm Post subject: Re: Insurance policy for your Vanagon |
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My Hagerty policy was just cancelled after a year. They stated that the
vehicle was used for camping as a reason for the cancellation. I think they will
insure it if its just a classic car and not actually used as a normal car. You can just drive it to the car show. I dont know how they thought it wasnt used, i didnt hide anything, Oh well. |
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Ahwahnee
Samba Member
Joined: June 05, 2010
Posts: 9810
Location: Mt Lemmon, AZ
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| Posted: Mon Feb 12, 2018 6:32 pm Post subject: Re: Insurance policy for your Vanagon |
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| Free Range Bus wrote: |
| ...I think they will insure it if its just a classic car and not actually used as a normal car. You can just drive it to the car show.... |
From the Hagerty website:
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Flexible Usage
Our policy allows you occasional pleasure use with no fixed mileage restrictions**. With Hagerty, you can go for a weekend drive, take your 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.
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Last fall I drove one of the vehicles I have insured with Hagerty from AZ to Canada. I told them my plan (it was a week-long classic car cruise) and they sent me a proof of insurance specifically for crossing the border enclosed in a plastic pouch that said 'Cruise Liberally'.
Obviously they want the use to be somewhat limited to support the better coverage / lower premiums. Sounds like camping trips are not their idea of 'occasional pleasure use'. |
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icutler198
Samba Member
Joined: March 28, 2020
Posts: 19
Location: California
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| Posted: Thu Jul 23, 2020 6:00 pm Post subject: Re: Insurance policy for your Vanagon |
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Sooooooooooo
I read some of this thread and reached out to Liliya at Farmers and she was able to connect me with an appraiser.
The appraisers name is Gary. Liliya recommended somebody else who ended up just sending Gary my way so I thought I would just list his information. Gary used to own his own VW focused repair shop nearby in Oceanside some years ago so he knows his stuff.
Liliya Vizitiu
Farmers Insurance
Sacramento, CA
License: 0E73307
916-921-6177 (Office)
[email protected]
Gary Haugley
760-594-2422
[email protected]
Vista, CA
I'm still waiting on my appraisal from Gary to finish up, but essentially whatever the appraisal is will set the value of a possible claim on my vehicle. So if someone steal my precious van tomorrow and chops it up in Tijuana and it's appraised at 18k, I'll get 18k.
Say it gets totaled in 10 years and I continue to meticulously maintain it and the value appreciates up to 22k, I'll still only get 18k because the lesser value of the two.
If I want to increase the coverage in a few years, say after I make some sweet sweet upgrades and want to make sure my ass is covered. I can call up Gary and get it re-appraised. I do believe Farmers has a ceiling of 25k on this type of policy, but I could be wrong.
The appraisal cost me $350. The rates from Farmers seemed to be relatively competitive, around $575-$675 on the higher end of coverage that they offered.
To me that's totally worth it for the peace of mind, especially with the amount of money most of us dump into our vans. Obviously some of this is California/San Diego specific, but hopefully this gives some of you an idea of how you can go about getting quality coverage.
Cheers,
Ian |
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dobryan
Samba Member
Joined: March 24, 2006
Posts: 16504
Location: Brookeville, MD
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| Posted: Fri Jul 24, 2020 5:38 am Post subject: Re: Insurance policy for your Vanagon |
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That $350 is some of the best money you can spend. Having an appraisal saved me many thousands when I had a fire in 2008 and my bus burned to the ground, nothing but glowing metal was left. If it were not for the appraisal 6 months earlier I would have been SOL to prove a high value. I got $17,000 back in 2006 for a freshly upgraded '87 westy.
_________________
Dave O
'87 Westy w/ 2002 Subaru EJ25 and Peloquin TBD
"To travel hopefully is a better thing than to arrive." Robert Louis Stevenson
MD>Canada>AK>WA>OR>CA>AZ>UT>WY>SD
https://www.thesamba.com/vw/forum/viewtopic.php?t=620646
Building a bus for travel in Europe (euroBus)
https://www.thesamba.com/vw/forum/viewtopic.php?t=695371
The Western Syncro build
https://www.thesamba.com/vw/forum/viewtopic.php?t=746794 |
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icutler198
Samba Member
Joined: March 28, 2020
Posts: 19
Location: California
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| Posted: Fri Jul 24, 2020 10:54 am Post subject: Re: Insurance policy for your Vanagon |
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| Agreed! My appraisal just came back at 22k. The peace of mind that $350 can buy... |
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levi
Samba Member
Joined: February 11, 2005
Posts: 5522
Location: Las Vegas
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| Posted: Fri Jul 24, 2020 11:05 am Post subject: Re: Insurance policy for your Vanagon |
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| icutler198 wrote: |
..... The rates from Farmers seemed to be relatively competitive, around $575-$675 on the higher end of coverage that they offered.
Cheers,
Ian |
Can I ask what time frame that is for?
_________________
One of these days I'm gonna settle down,
but till I do I won't be hangin round.
Going down that long lonesome highway,
gonna see life my way
https://youtu.be/cSrL0BXsO40 |
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icutler198
Samba Member
Joined: March 28, 2020
Posts: 19
Location: California
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| Posted: Fri Jul 24, 2020 12:55 pm Post subject: Re: Insurance policy for your Vanagon |
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| 6 months |
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levi
Samba Member
Joined: February 11, 2005
Posts: 5522
Location: Las Vegas
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| Posted: Fri Jul 24, 2020 1:00 pm Post subject: Re: Insurance policy for your Vanagon |
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Thanks.
I'm paying way too much.
I almost pay that much (with no accidents) and I only have min. liability.
Geeesh..
_________________
One of these days I'm gonna settle down,
but till I do I won't be hangin round.
Going down that long lonesome highway,
gonna see life my way
https://youtu.be/cSrL0BXsO40 |
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icutler198
Samba Member
Joined: March 28, 2020
Posts: 19
Location: California
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| Posted: Fri Jul 24, 2020 1:09 pm Post subject: Re: Insurance policy for your Vanagon |
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Just wrapped it all up!
Appraisal: $350
6 month policy: $645
Policy is with 22k of coverage at a $250 deductible and 100/300 Liability.
I probably got the highest level of possible coverage, so you could save a little bit of money, but it would probably only be a couple hundred dollars per year. For that I would rather have my ass covered and that is the entire point of this thread.
Cheers,
Ian |
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icutler198
Samba Member
Joined: March 28, 2020
Posts: 19
Location: California
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| Posted: Fri Jul 24, 2020 1:11 pm Post subject: Re: Insurance policy for your Vanagon |
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| Just to add, the customer service was top notch the entire time. I am very comfortable with sending people their way. |
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Ahwahnee
Samba Member
Joined: June 05, 2010
Posts: 9810
Location: Mt Lemmon, AZ
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| Posted: Fri Jul 24, 2020 2:51 pm Post subject: Re: Insurance policy for your Vanagon |
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IMO - pretty futile comparing what others pay to what you pay.
Driving record, state of residence, specific coverages, credit rating, zip code, other policies with the carrier, age of drivers, miles per year, forgiveness features, multi-car discounts... the factors that go into a specific rate defy a price comparison with other users.
Having an appraisal is a good idea though. |
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