Classic Car Insurance

I have both of my Corvettes insured with Grundy. They were cheaper and had fewer restrictions than Hagerty. Check out both though.

Sent from my DROIDX using Tapatalk
 
Scooter70 said:
I have both of my Corvettes insured with Grundy. They were cheaper and had fewer restrictions than Hagerty. Check out both though.

Sent from my DROIDX using Tapatalk
Click to expand...

What kind of restrictions with Hagerty? Ive had Hagerty for a while with no problems
 
I have been very happy with Grundy. When I checked with Hagerty they had mileage restrictions.
 
t-typex1 said:
What kind of restrictions with Hagerty? Ive had Hagerty for a while with no problems
Click to expand...

dave89iroc said:
mainly mileage
Click to expand...

Hagerty has no mileage restrictions. If an agent tells you they do, try someone else. I looked at a '68 Camaro convertible that had 27K on it over the course of a year. It wasn't a problem. Neither Hagerty or Grundy want the vehicle used as a daily driver. The car needs secure storage. No nitrous.
 
I have used Hagerty for years with no real issues except they won't let me use my vette as a DD. Anybody know of any un-scrupulous agents that won't care that it's supercharged?
 
Hagerty or Grundy don't care if it's supercharged. I've looked a few with roots blowers thru the hood. As mentioned, nitrous is a no-no.
The rate is higher with the S/C because the car is considered 'modified'.
 
The car originally came with a 6 cylinder so HP is not an issue ;) but it is worth some $ so proper insurance will be required.
 
Hagerty told me NO driving it to work, ever. Grundy said every now and then is ok. In my case, Grundy was cheaper for the same coverage. Both are good companies.
 
Scooter70 said:
Hagerty told me NO driving it to work, ever. Grundy said every now and then is ok. In my case, Grundy was cheaper for the same coverage. Both are good companies.
Click to expand...

Hagerty's actual philosophy on driving to work is the same as Grundy. Once in a while is fine, but everyday is a no-no.
 
Scooter70 said:
Hagerty told me NO driving it to work, ever. Grundy said every now and then is ok. In my case, Grundy was cheaper for the same coverage. Both are good companies.
Click to expand...

That is the issue for me. Hagerty has no problem with the supercharger but like you said I can "never" drive it to work. Maybe I'll talk to Grundy.
 
Swifster said:
Hagerty or Grundy don't care if it's supercharged. I've looked a few with roots blowers thru the hood. As mentioned, nitrous is a no-no.
The rate is higher with the S/C because the car is considered 'modified'.
Click to expand...

Right, yeah they don't care about the S/C. But I would like to use the car as more of a DD during the summer. (sorry about the thread Hijack...not intentional)
 
DeFormula said:
That is the issue for me. Hagerty has no problem with the supercharger but like you said I can "never" drive it to work. Maybe I'll talk to Grundy.
Click to expand...

I guess it's a good thing that the sales people don't handle claims, isn't it? It's been my experience that Grundy is a little more concerned about driving the car/truck to work than Hagerty. I do work for both companies.
 
Here's the copy/paste conditions from my Hagerty application:

STORAGE
While not in use, my vehicle(s) will be kept at its principal storage address in a solidly constructed, completely enclosed and locked structure (unless
Hagerty or the Company agrees otherwise).​
USE
1. My vehicle(s) will be used on a limited basis consistent with the operation of a collectible vehicle such as occasional pleasure drives and club / hobby
activities.
2. My vehicle(s) will not be used frequently for regular driving such as driving to and from work or school, shopping, errands, general transportation or
back-up use.​

I estimated 5,000 annual miles. The vagueness of 'limited basis consistent. . ." and 'used frequently' have been the stalling point from buying their insurance.
 
DoubleC said:
Here's the copy/paste conditions from my Hagerty application:

STORAGE
While not in use, my vehicle(s) will be kept at its principal storage address in a solidly constructed, completely enclosed and locked structure (unless
Hagerty or the Company agrees otherwise).​
USE
1. My vehicle(s) will be used on a limited basis consistent with the operation of a collectible vehicle such as occasional pleasure drives and club / hobby
activities.
2. My vehicle(s) will not be used frequently for regular driving such as driving to and from work or school, shopping, errands, general transportation or
back-up use.​

I estimated 5,000 annual miles. The vagueness of 'limited basis consistent. . ." and 'used frequently' have been the stalling point from buying their insurance.
Click to expand...

It's not a daily driver policy. 5000 miles a year is fine. Taking the car to work everyday is not. Keep in mind that the idea is to minimize the risk the car is exposed to. Rush hour is a higher risk. Parking lots are a higher risk. Towing trailers is a higher risk. Parking the car in the street is a higher risk. They do want you to enjoy the car as a pleasure vehicle. Go out for a cruise. Go on a trip. Go to shows. Take the car to work on an extremely occasional basis.

They also don't want these to be used as a rental car. If your DD is in the shop, this isn't a replacement vehicle.
 
Swifster said:
It's not a daily driver policy. 5000 miles a year is fine. Taking the car to work everyday is not. Keep in mind that the idea is to minimize the risk the car is exposed to. Rush hour is a higher risk. Parking lots are a higher risk. Towing trailers is a higher risk. Parking the car in the street is a higher risk. They do want you to enjoy the car as a pleasure vehicle. Go out for a cruise. Go on a trip. Go to shows. Take the car to work on an extremely occasional basis.

They also don't want these to be used as a rental car. If your DD is in the shop, this isn't a replacement vehicle.
Click to expand...

That's the sticking point for me. May-October I intend to drive the car as much as dry weather allows. Commuting 72 mi/dy for 3-4 days per 5-day work week is a reality. How do they validate usage? Perhaps I'm being too honest with my assessment of usage. I mean, of course the day of an incident will have been our employee car show.
 
Swifster said:
Hagerty's actual philosophy on driving to work is the same as Grundy. Once in a while is fine, but everyday is a no-no.
Click to expand...
What if you own the company or are self employed and work at home?
I want to get my Turbo Camaro properly insured and I know damn well if I ever have to make a claim with progressive it's going to like pissing up a light pole.
 
Are you drivng the car as part of your job? Again, the idea is to limit risk.

I run my own business. I'm looking at getting a '63 Chevy Bel Air and using it as a company car. While the car would be a tax write-off, I won't be able to get the car insured with Grundy or Hagerty (doesn't mean I won't try with an honest explanation). Like my Ranger, I'll probably need a commercial policy. It's a little bit more expensive because I put around 30K a year on a car.
 
You must log in or register to reply here.
Back
Top