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scruffyboy
Samba Member
Joined: December 21, 2004
Posts: 170
Location: San Francisco, Ca
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 Posted: Tue Jan 02, 2007 1:07 pm Post subject: Insurance - Who's gonna cover my ride AND let me drive it! |
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Does anybody know of an insurance company that will cover my Westy and actually let me drive the thing more than once or twice a year?
Please contact me at [email protected]
Thanks |
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OB Bus
Samba Member
Joined: February 09, 2003
Posts: 2782
Location: Ocean Beach - San Diego
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| Posted: Tue Jan 02, 2007 1:21 pm Post subject: |
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Start with your regular car insurance company. More money that the botique agencies but you can drive it.
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Larry in OB
Stop dead photo links! Post your photos to The Samba Gallery!
69 Westfalia and 2002 Eurovan Camper.
People deserve the Government they voted for. |
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andk5591
Samba Member
Joined: August 29, 2005
Posts: 16807
Location: State College, PA
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| Posted: Tue Jan 02, 2007 1:21 pm Post subject: |
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try State Farm - my buggy is titled as a regular car - pretty reasonable, but not near as cheap as the "collectible" insurance. I can drive the hell out of it.
_________________
D-Dubya Manx clone 1914. Ex wifes car.
Rosie 65 bug - My mostly stock daily driver.
Woodie 69 VW woodie (Hot VWs 7/12).
"John's car" 64 VW woodie - The first ever
Maxine 61 Cal-look bug - Ex-wifes car.
66 bug project - Real patina & Suby conversion
There's more, but not keeping them... |
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turboblue
Samba Member
Joined: October 09, 2003
Posts: 4216
Location: Central Indiana
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| Posted: Tue Jan 02, 2007 2:39 pm Post subject: |
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| andk5591 wrote: |
| try State Farm - my buggy is titled as a regular car - pretty reasonable, but not near as cheap as the "collectible" insurance. I can drive the hell out of it. |
Does State Farm know it's not really a Volkswagen car?
Scruffy
Try this company:
http://www.kandkinsurance.com/
My buddy has the full coverage deal on his '60 through them.
No limit on mileage if I remember right.
_________________
Gary
Turbo VW Sand Drag Buggy
"If you don't run into the Devil every once in awhile, you must be going in the same direction!" |
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67 Florida Deluxe
Samba Purist
Joined: June 21, 2005
Posts: 7990
Location: Gainesville and Tampa, Florida
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| Posted: Tue Jan 02, 2007 2:47 pm Post subject: |
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I have a couple of old (...I mean antique) VWs insured with USAA as regular drivers. No restrictions. The only drawback is if one is totalled, they will only give "book" value, not stated value. If you want stated value and really low rates, the tradeoff is limited mileage and other restrictions provided under a collector's policy. Unfortunately, we can't have our cake and eat it, too  .
_________________
-Kent (BaT "daleallen")
OG member of the '67 Posse
A few of my toys, past and present
'56 Oval, '66 KG Conv't, '67 21-Window, '67 Bug, '79 SuperVert, '55 Pre-A Continental |
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Glenn 
Mr. 010
Joined: December 25, 2001
Posts: 80261
Location: Sneaking up behind you
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67 Florida Deluxe
Samba Purist
Joined: June 21, 2005
Posts: 7990
Location: Gainesville and Tampa, Florida
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scruffyboy
Samba Member
Joined: December 21, 2004
Posts: 170
Location: San Francisco, Ca
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| Posted: Tue Jan 02, 2007 3:26 pm Post subject: Thanks |
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Thanks guys,
This is something I've been looking for for awhile. Looks like Classicins is going to be getting my business |
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iowegian
Samba Curmudgeon
Joined: February 16, 2005
Posts: 9977
Location: Somewhere between Dubuque and Keokuk
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| Posted: Tue Jan 02, 2007 3:45 pm Post subject: |
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| 67 Florida Deluxe wrote: |
Wow! I just checked their website and it says you can choose your mileage. I'm gonna check them out a little further. Thanks for the post, Glenn. This may be the cake-and-eat-it-too thing we're looking for  ! |
I just compared them to Hagerty.
Rates are virtually identical. |
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67 Florida Deluxe
Samba Purist
Joined: June 21, 2005
Posts: 7990
Location: Gainesville and Tampa, Florida
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| Posted: Tue Jan 02, 2007 3:54 pm Post subject: |
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I thought the drawback to Hagerty was limited mileage and/or no pleasure use? I'll have to re-check Hagerty. Also, Classic's website doesnt provide the policy limitations/restrictions. I'll need to get both to compare the companies side-by-side and against American, which is on a couple of other cars of mine. Another thing that's important is the rating of the company as well as overall customer satisfaction (prompt customer service, claims handling, etc.)
_________________
-Kent (BaT "daleallen")
OG member of the '67 Posse
A few of my toys, past and present
'56 Oval, '66 KG Conv't, '67 21-Window, '67 Bug, '79 SuperVert, '55 Pre-A Continental |
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iowegian
Samba Curmudgeon
Joined: February 16, 2005
Posts: 9977
Location: Somewhere between Dubuque and Keokuk
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| Posted: Tue Jan 02, 2007 4:27 pm Post subject: |
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| 67 Florida Deluxe wrote: |
| I thought the drawback to Hagerty was limited mileage and/or no pleasure use? |
Kent, I didn't mean that Hagerty was better.
But they do not have mileage restrictions as they know that a collector
will use the car for more than parades. They haven't asked me for odometer readings, nor have they "audited" same.
All they ask is that you have another car as a daily driver and keep the collector cars in a locked garage. (oh-- they exclude coverage on a race track).
And they want one photograph of the car
I have AGREED VALUE (this is important) of $10,000 on the '61 Ghia;
$7,000 on the '66 Beetle; and $18,000 on the MG. for $263/year total.
Zero deductable collision and comp.
$300,000 liability
You can phone them and talk to an actual human being, if you wish
You can |
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67 Florida Deluxe
Samba Purist
Joined: June 21, 2005
Posts: 7990
Location: Gainesville and Tampa, Florida
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| Posted: Tue Jan 02, 2007 4:37 pm Post subject: |
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Thanks for the info, Chuck. I got a quote from Classic on just 5 of the cars and the quote for stated value was $292.90. That's insane! (Like cheap, insane!) I pay over $1500 every 6 months for the same cars - and that's with USAA! And it doesnt include my other cars  ! (Hmmmm.... perhaps that's insane given these alternative classic auto insurance companies  )
_________________
-Kent (BaT "daleallen")
OG member of the '67 Posse
A few of my toys, past and present
'56 Oval, '66 KG Conv't, '67 21-Window, '67 Bug, '79 SuperVert, '55 Pre-A Continental |
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andk5591
Samba Member
Joined: August 29, 2005
Posts: 16807
Location: State College, PA
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| Posted: Tue Jan 02, 2007 6:00 pm Post subject: |
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re question about whether insurance company is aware that a they are insuring buggy instead of a bug, as the car ius titled. Yes - they have pics of the car and it would be really stupid to try to tell them otherwise. Would be interesting to explain to the insurance adjuster that the impact converted the metal into fiberglas LOL.
_________________
D-Dubya Manx clone 1914. Ex wifes car.
Rosie 65 bug - My mostly stock daily driver.
Woodie 69 VW woodie (Hot VWs 7/12).
"John's car" 64 VW woodie - The first ever
Maxine 61 Cal-look bug - Ex-wifes car.
66 bug project - Real patina & Suby conversion
There's more, but not keeping them... |
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jclayc
Samba Member
Joined: October 31, 2006
Posts: 171
Location: SC
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| Posted: Tue Jan 02, 2007 6:20 pm Post subject: |
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in the late 80s, I had both a 71 SB and a 69 Karmann Ghia totaled with USAA as my auto insurance - they gave me everything I had receipts for minus like 30%. it shocked me. I don't know if they'd do that now, though - they seem to have changed a bit
my 2 cents on insurance - in NJ, you can "only drive" 3000 miles unless you register the car as a normal car. I believe that's about the same as my Hagarty "allows" me.
Hagarty (and some other company I can't remember) basically didn't give a sh*t about what they were insuring - they insure an amount of money. In this case, what you think your car is worth -- say $10000. As long as you are 25+, have a locked garage and will go under 3000 miles per year, that's all the classic car insurance companies ask. It's only a few hundred per year for $10-20K insurance. |
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67 Florida Deluxe
Samba Purist
Joined: June 21, 2005
Posts: 7990
Location: Gainesville and Tampa, Florida
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| Posted: Tue Jan 02, 2007 6:41 pm Post subject: |
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| jclayc wrote: |
in the late 80s, I had both a 71 SB and a 69 Karmann Ghia totaled with USAA as my auto insurance - they gave me everything I had receipts for minus like 30%. it shocked me. I don't know if they'd do that now, though - they seem to have changed a bit
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Yes, they still do that. They will prorate certain items provided you have a receipt.
_________________
-Kent (BaT "daleallen")
OG member of the '67 Posse
A few of my toys, past and present
'56 Oval, '66 KG Conv't, '67 21-Window, '67 Bug, '79 SuperVert, '55 Pre-A Continental |
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notchback
Insensitive Jerk
Joined: December 16, 2003
Posts: 7024
Location: Behind the Zion Curtain
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| Posted: Tue Jan 02, 2007 6:45 pm Post subject: |
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Grundy has NO mileage restrictions.
http://www.grundy.com/default2.asp
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| zeen wrote: |
| Arguing with johnnypan is like mud-wrestling a pig. After a while you realize he just enjoys playing in the mud, winning the contest is not the point. |
FU#3 |
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53 0val
Samba Professor
Joined: July 03, 2003
Posts: 11396
Location: Irvine, CA
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| Posted: Tue Jan 02, 2007 7:47 pm Post subject: |
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All my cars are under State Farm.
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"What a fool believes he sees, no wise man has the power to reason away." Dobee, Dobee, Do |
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iowegian
Samba Curmudgeon
Joined: February 16, 2005
Posts: 9977
Location: Somewhere between Dubuque and Keokuk
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| Posted: Tue Jan 02, 2007 8:47 pm Post subject: |
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| 67 Florida Deluxe wrote: |
| jclayc wrote: |
in the late 80s, I had both a 71 SB and a 69 Karmann Ghia totaled with USAA as my auto insurance - they gave me everything I had receipts for minus like 30%. it shocked me. I don't know if they'd do that now, though - they seem to have changed a bit
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Yes, they still do that. They will prorate certain items provided you have a receipt. |
That is why you need "agreed value".
no proration, no arguement, no receipts. period. |
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iowegian
Samba Curmudgeon
Joined: February 16, 2005
Posts: 9977
Location: Somewhere between Dubuque and Keokuk
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| Posted: Tue Jan 02, 2007 8:58 pm Post subject: |
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| 53 0val wrote: |
| All my cars are under State Farm. |
I insure my drivers, a couple of houses, etc with the Farm, but they wanted certified appraisals, blah blah blah on the collectors cars.
Lazy sloth that I am, I took the easy route and went with Hagerty.
But, then, I don't drive my antique cars thirty or forty thousand miles a year.  |
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Desertbusman
Samba Member
Joined: June 03, 2005
Posts: 14654
Location: Arizona
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| Posted: Tue Jan 02, 2007 11:37 pm Post subject: |
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Who provides classic insurance without requiring a locked garage? Here a carport is better than a garage unless the garage is refrigerated during the hot 6 months
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71 Superbug
71 Westy |
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