On Fri, 11 Sep 1998, Steve Skolnik wrote:
> Does anybody have good or bad stories to tell about a particulary
> company or about this type of coverage ["antique" autos]?
Of course, you can shop for price, but one very important factor is
weighing the prospective insurance company's requirements against your
desired use of the car. Total allowable mileage driven per year can vary
widely (although this often can be adjusted...for a price). Some companies
are extremely restrictive about usage. Many will limit you ONLY to
pleasure use and/or organized club activities.
Most are very interested in where the car spends its idle time (locked
garage and construction of same); I have heard some companies pretty much
WON'T allow you to leave the car out of your sight "in public" (i.e., just
parked curbside or in a mall lot)!?
Additionally, many insurers require an appraisal from someone "qualified"
to do so, and many require membership in some sort of collector club --
such as VTR! :-)
>From what I've heard, most of the specialty companies are reasonably good
about settling claims. Others here on the list might have particularly bad
experiences (best shared privately, I think).
A lot to consider, so it's worth your time to get as many details as you
can before you sign up.
--Andy
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* Andrew Mace, President and *
* 10/Herald/Vitesse (Sports 6) Consultant *
* Vintage Triumph Register <www.vtr.org> *
* amace@unix2.nysed.gov *
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