Well, I patiently waited before I called Hagerty since I figured a lot of
listers would be calling in. Today, they told me flat out that because I
intended to use my 67BGT for occasional errands and maybe driving to work
as much as one or two days a week, that their insurance was not intended
for this kind of usage.
My 67BGT is not a daily driver (I have three other cars that also split
driving duties depending on the weather). Hagerty's website implied that
they had "flexible usage" but just like the other classic car insurance
companies, they are in reality quite restrictive on use.
Hagerty's quote of $75 for $5000 in coverage sounded good but its too good
to be true. I own cars to drive them. And if I can't drive my car to work
every once in a while, who is going to see it? If I can't use the car, why
own it?
I'm disappointed. And still stuck with USAA. Although they charge me a
couple of hundred dollars per year on each car for minimal coverage
(supposedly their lowest rate for safe and older drivers), I have yet to
find anyone cheaper. : (
David
67 BGT
71 BGT
74 Toyota Landcruiser
92 Ford Explorer
At 06:50 AM 6/9/2000 -0700, Dan DiBiase wrote:
>I called them yesterday, and for my 76 MGB, with an
>agreed value of $5000, it would be $95/year (which
>would drop to $75 next year upon it's 25th birthday).
>This is with full comprehensive and collision and a
>zero deductible. Raising the liability to $500k and
>PIP to $500k would raise the premium to $110. They
>have a chart they use for agreed value that basically
>say if a car is between a "2" and a "3" in terms of
>condition, this is the value guideline. But you're not
>committed to this value, you can come up with
>different numbers if you choose. No mileage
>limitation, but as the girl said, they 'prefer' that
>you do not use it as a daily driver and do ask for
>proof (via your current policy) that you have at least
>one additional car for each registered driver.
>
>Since mine is not a daily driver (although I use it
>probably 4 days per week in non-inclement weather...)
>this works well for me.
>
>Thanks to all that responded to my original inquiry,
>this is going to save me about $400/year. Next time we
>all get together, the first round is on me!
>
>
>
>=====
>Dan D
>Dayton, NJ
>76 MGB Tourer - Brooklands Green
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