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I just went through this, and Hagerty seemed a little more liberal than
Grundy. Their use restrictions mostly fit my use model. Occasional
pleasure drives, car shows, cruise nights, maybe to a family party to show
off, rarely to work (once in the last year and a half), all the family at
home have their own cars, no family under 25 who know how to drive a stick,
evening or weekend drives to try to track down that pesky problem, and so
on. From what their stuff says, these would be mostly OK.
Stu
On Sun, Aug 23, 2015 at 6:22 PM, Jay Laifman via Tigers <
tigers@autox.team.net> wrote:
> I have had the same issue - this is also for my early 911 and 912. There
> are a number of issues with all the classic car policies. As you've noted,
> it can't be your daily driver. Not only that, you have to have a car that
> is at least 15 years old for all drivers in the house. My 2000 Boxster,
> which is still like new isn't good enough. One company said I might be able
> to get a waiver of this one. Some said there is no waiver.
>
> Another issue is that no one under 25 can drive the car. So if my son
> and I drive to a car show, he can't drive at all. I kind of get it. But,
> life's too short not to enjoy these cars with my kids here and now.
>
> Another issue is that you can use it to go to work once and a while. But
> that is on a rare occasion when you are doing something else. So if you
> want to drive it every Friday or a week here and there, you won't be
> covered. That means NO coverage. Some of them were really strict on this
> - like if you get in an accident on a Wednesday morning at 7:00 am on your
> route to work, don't expect getting coverage for the accident without a
> huge fight.
>
> One of the places, and I think it was Grundy's, I asked if I could stop at
> a hardware store on the weekends. She gasped and recounted how she saw a
> Ferrari parked at the far end of a Home Depot over the weekend and thought
> to herself that she sure hopes she doesn't insure that car! Geeze,
> really? Us car guys can't stop at a hardware store and park at the far
> end? That's a show stopper for me. Note some others said it was ok if it
> was part of a joy ride and not a weekend errand drive.
>
> Believe me, I called EVERY ONE of the companies and asked them all the
> same questions. They all basically gave the same answers. Yes, you can
> get their insurance and figure they will never know. And they may give
> half answers about how they cover various things. But, if you really put
> them to specific questions, they don't give good answers.
>
> I get it. They have to evaluate their risk and what they want to insure.
> They want to insure parade cars and joy ride cars, and will take the risk
> for a restaurant with your wife here and there. That's not me, and never
> will be.
>
> I guess you can look at it another way too. I have not paid more than
> $10k for any of my cars. So in one way, if something bad happened, I would
> be out only $10k plus the expenses over the years. I know, two of these
> cars are probably (definitely?) worth over $100k in investment terms. So I
> could lose much more in paper. I don't like looking at it this way, but it
> is a way to rationalize it.
>
> Right now, I do a lot of self insurance by being especially careful where
> I park the cars, how long I am away from them, how well they are locked up,
> etc. It's not perfect. But, I'd rather be underinsured than have NO
> insurance because I have a classic policy and I'm using it to actually
> drive.
>
> Jay
>
>
>
>
>
> On Sun, Aug 23, 2015 at 2:59 PM, genepadgett--- via Tigers <
> tigers@autox.team.net> wrote:
>
>>
>>
>> I did not see this post to my own e-mail and am thinking that somehow it
>> did not go through. I am re-sending it in hopes that it will go through
>> this time. Confirmation of receipt from anyone on the List would be
>> appreciated.
>>
>> TIA, Gene
>>
>> ------------------------------
>> *From: *genepadgett@comcast.net
>> *To: *"tigers" <tigers@autox.team.net>
>> *Sent: *Friday, August 21, 2015 12:28:53 PM
>> *Subject: *Driven Tger nsurance
>>
>> Hi All,
>>
>> With the recent jump in auction prices for our cars, I am wondering what
>> people like me who just enjoy driving their cars are doing for insurance.
>> I just got turned down by Grundy because the "vehicle cannot be used as
>> backup, primary or secondary transportation". This dispite the fact both
>> my wife and I have other cars which serve as our regular daily driver
>> vehicles.
>>
>> To me, being able to take the Tiger out when and where I want to go is
>> the essence of having and enjoying the car in the first place. It is the
>> journey not the destination that matters to me. I bought the car new in
>> 1967 and have never thought of it as a collectible or investment. Still
>> with the recent escalation in apparent values, I do not want to be stupid
>> about insurance.
>>
>> Anyone else on the List that might be of a similar mind as me and own
>> their Tiger for the enjoyment of driving it can bring? If so what do you
>> do for insurance?
>>
>> TIA,
>>
>> Gene
>>
>>
>>
>>
>> _______________________________________________
>>
>> tigers@autox.team.net
>>
>> Donate: http://www.team.net/donate.html
>> Archive: http://www.team.net/archive
>> Forums: http://www.team.net/forums
>> Unsubscribe:
>> http://autox.team.net/mailman/options/tigers/jay.laifman@gmail.com
>>
>>
>>
>>
>
> _______________________________________________
>
> tigers@autox.team.net
>
> Donate: http://www.team.net/donate.html
> Archive: http://www.team.net/archive
> Forums: http://www.team.net/forums
> Unsubscribe:
> http://autox.team.net/mailman/options/tigers/sabre2tgr@gmail.com
>
>
>
>
--001a1149e9b6f5914a051e0253ef
Content-Transfer-Encoding: quoted-printable
<div dir=3D"ltr"><div class=3D"gmail_default" style=3D"font-size:small">I j=
ust went through this, and Hagerty seemed a little more liberal than Grundy=
.=C2=A0 Their use restrictions mostly fit my use model.=C2=A0 Occasional pl=
easure drives, car shows, cruise nights, maybe to a family party to show of=
f, rarely to work (once in the last year and a half), all the family at hom=
e have their own cars, no family under 25 who know how to drive a stick, ev=
ening or weekend drives to try to track down that pesky problem, and so on.=
=C2=A0 From what their stuff says, these would be mostly OK.</div><div clas=
s=3D"gmail_default" style=3D"font-size:small"><br></div><div class=3D"gmail=
_default" style=3D"font-size:small">Stu</div></div><div class=3D"gmail_extr=
a"><br><div class=3D"gmail_quote">On Sun, Aug 23, 2015 at 6:22 PM, Jay Laif=
man via Tigers <span dir=3D"ltr"><<a href=3D"mailto:tigers@autox.team.ne=
t" target=3D"_blank">tigers@autox.team.net</a>></span> wrote:<br><blockq=
uote class=3D"gmail_quote" style=3D"margin:0 0 0 .8ex;border-left:1px #ccc =
solid;padding-left:1ex"><div dir=3D"ltr">I have had the same issue - this i=
s also for my early 911 and 912.=C2=A0 There are a number of issues with al=
l the classic car policies.=C2=A0 As you've noted, it can't be your=
daily driver.=C2=A0 Not only that, you have to have a car that is at least=
15 years old for all drivers in the house.=C2=A0 My 2000 Boxster, which is=
still like new isn't good enough. One company said I might be able to =
get a waiver of this one.=C2=A0 Some said there is no waiver. =C2=A0<div><b=
r></div><div>Another issue is that no one under 25 can drive the car. =C2=
=A0 So if my son and I drive to a car show, he can't drive at all.=C2=
=A0 I kind of get it.=C2=A0 But, life's too short not to enjoy these ca=
rs with my kids here and now.</div><div><br></div><div>Another issue is tha=
t you can use it to go to work once and a while.=C2=A0 But that is on a rar=
e occasion when you are doing something else.=C2=A0 So if you want to drive=
it every Friday or a week here and there, you won't be covered.=C2=A0 =
That means NO coverage.=C2=A0 Some of them were really strict on this - lik=
e if you get in an accident on a Wednesday morning at 7:00 am on your route=
to work, don't expect getting coverage for the accident without a huge=
fight.</div><div><br></div><div>One of the places, and I think it was Grun=
dy's, I asked if I could stop at a hardware store on the weekends.=C2=
=A0 She gasped and recounted how she saw a Ferrari parked at the far end of=
a Home Depot over the weekend and thought to herself that she sure hopes s=
he doesn't insure that car!=C2=A0 Geeze, really?=C2=A0 Us car guys can&=
#39;t stop at a hardware store and park at the far end?=C2=A0 That's a =
show stopper for me. Note some others said it was ok if it was part of a jo=
y ride and not a weekend errand drive.</div><div><br></div><div>Believe me,=
I called EVERY ONE of the companies and asked them all the same questions.=
=C2=A0 They all basically gave the same answers.=C2=A0 Yes, you can get the=
ir insurance and figure they will never know.=C2=A0 And they may give half =
answers about how they cover various things.=C2=A0 But, if you really put t=
hem to specific questions, they don't give good answers. =C2=A0</div><d=
iv><br></div><div>I get it.=C2=A0 They have to evaluate their risk and what=
they want to insure.=C2=A0 They want to insure parade cars and joy ride ca=
rs, and will take the risk for a restaurant with your wife here and there.=
=C2=A0 That's not me, and never will be. =C2=A0</div><div><br></div><di=
v>I guess you can look at it another way too.=C2=A0 I have not paid more th=
an $10k for any of my cars.=C2=A0 So in one way, if something bad happened,=
I would be out only $10k plus the expenses over the years.=C2=A0 I know, t=
wo of these cars are probably (definitely?) worth over $100k in investment =
terms.=C2=A0 So I could lose much more in paper.=C2=A0 I don't like loo=
king at it this way, but it is a way to rationalize it.</div><div><br></div=
><div>Right now, I do a lot of self insurance by being especially careful w=
here I park the cars, how long I am away from them, how well they are locke=
d up, etc.=C2=A0 It's not perfect.=C2=A0 But, I'd rather be underin=
sured than have NO insurance because I have a classic policy and I'm us=
ing it to actually drive.</div><div><br></div><div>Jay</div><div><br></div>=
<div><br></div><div><br></div><div><br></div></div><div class=3D"gmail_extr=
a"><br><div class=3D"gmail_quote">On Sun, Aug 23, 2015 at 2:59 PM, genepadg=
ett--- via Tigers <span dir=3D"ltr"><<a href=3D"mailto:tigers@autox.team=
.net" target=3D"_blank">tigers@autox.team.net</a>></span> wrote:<br><blo=
ckquote class=3D"gmail_quote" style=3D"margin:0 0 0 .8ex;border-left:1px #c=
cc solid;padding-left:1ex"><div><div style=3D"font-family:Times New Roman;f=
ont-size:12pt;color:#000000"><div><br></div><div><br></div><div style=3D"co=
lor:#000;font-weight:normal;font-style:normal;text-decoration:none;font-fam=
ily:Helvetica,Arial,sans-serif;font-size:12pt"><div style=3D"font-family:Ti=
mes New Roman;font-size:12pt;color:#000000"><div>I did not see this post to=
my own e-mail and am thinking that somehow it did not go through.=C2=A0 I =
am re-sending it in hopes that it will go through this time. =C2=A0 Confirm=
ation of receipt from anyone on the List would be appreciated.</div><div><b=
r></div><div>TIA, =C2=A0 Gene</div><div><br></div><hr><div style=3D"color:#=
000;font-weight:normal;font-style:normal;text-decoration:none;font-family:H=
elvetica,Arial,sans-serif;font-size:12pt"><b>From: </b><a href=3D"mailto:ge=
nepadgett@comcast.net" target=3D"_blank">genepadgett@comcast.net</a><br><b>=
To: </b>"tigers" <<a href=3D"mailto:tigers@autox.team.net"; tar=
get=3D"_blank">tigers@autox.team.net</a>><br><b>Sent: </b>Friday, August=
21, 2015 12:28:53 PM<br><b>Subject: </b>Driven Tger nsurance<br><div><br><=
/div><div style=3D"font-family:Times New Roman;font-size:12pt;color:#000000=
"><div>Hi All,</div><div><br></div><div>With the recent jump in auction pri=
ces for our cars, I am wondering what people like me who just enjoy driving=
their cars are doing for insurance. =C2=A0 I just got turned down by Grund=
y because the "vehicle cannot be used as backup, primary or secondary =
transportation". =C2=A0 This dispite the fact both my wife and I have =
other cars which serve as our regular daily driver vehicles.</div><div><br>=
</div><div>To me, being able to take the Tiger out when and where I want to=
go is the essence of having and enjoying the car in the first place. =C2=
=A0 It is the journey not the destination that matters to me. =C2=A0 =C2=A0=
I bought the car new in 1967 and have never thought of it as a collectible =
or investment. =C2=A0 Still with the recent escalation in apparent values, =
I do not want to be stupid about insurance.</div><div><br></div><div>Anyone=
else on the List that might be of a similar mind as me and own their Tiger=
for the enjoyment of driving it can bring? =C2=A0 If so what do you do for=
insurance?</div><div><br></div><div>TIA,</div><div><br></div><div>Gene</di=
v><div><br></div></div></div><div><br></div></div></div><div><br></div></di=
v></div><br>_______________________________________________<br>
<br>
<a href=3D"mailto:tigers@autox.team.net"; target=3D"_blank">tigers@autox.tea=
m.net</a><br>
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et=3D"_blank">http://www.team.net/donate.html</a><br>
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/mailman/options/tigers/jay.laifman@gmail.com</a><br>
<br>
<br>
<br></blockquote></div><br></div>
<br>_______________________________________________<br>
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<br></blockquote></div><br></div>
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