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Swifster
07-11-2007, 02:39 PM
I'm looking at getting back into doing independent appraisal work for various insurance companies. I've done a lot of collector cars in the past, and starting with these allows me to do this as a second job until the business picks up.

I don't want to get into a issue over who's best or who's worst. I'm looking at who you use so that I might target a company or two to solicite business from. Extra big bonus points if you are in FL. So, who insures your classic/collector/special interest cars?

---------------------------------------------------------------------------------------------------
Tom - Valrico, FL

1964 Studebaker Daytona - 289 4V, 4-Speed

http://i74.photobucket.com/albums/i280/Swifster/1965_Studebaker_Commander_front198x.jpg

41 Frank
07-11-2007, 03:02 PM
Mine are and have been insured for quite a few years with J.C. Taylor

Frank van Doorn
1962 GT Hawk 4 speed
1963 Daytona Conv
1941 Champion R-2 Rod

41 Frank
07-11-2007, 03:02 PM
Mine are and have been insured for quite a few years with J.C. Taylor

Frank van Doorn
1962 GT Hawk 4 speed
1963 Daytona Conv
1941 Champion R-2 Rod

glen
07-11-2007, 03:13 PM
No extra points for me Tom, as I'm on the other side of the
universe from you, but I have gone traditionally with State
Farm. :)

$36/6 months $250 Comp $500 deduct no mileage limits

http://i57.photobucket.com/albums/g204/glen_05/Daytonalurkinintheshortgrass.jpg
1964 Daytona
glen Brose
Tumbleweed Flats, AZ

glen
07-11-2007, 03:13 PM
No extra points for me Tom, as I'm on the other side of the
universe from you, but I have gone traditionally with State
Farm. :)

$36/6 months $250 Comp $500 deduct no mileage limits

http://i57.photobucket.com/albums/g204/glen_05/Daytonalurkinintheshortgrass.jpg
1964 Daytona
glen Brose
Tumbleweed Flats, AZ

studegary
07-11-2007, 03:14 PM
I was with J.C. Taylor for 30 years, until they wouldn't insure my first modified Studebaker. I have used Hagerty since 1999.

Gary L.
Wappinger, NY

1959 DeLuxe pickup (restomod)

studegary
07-11-2007, 03:14 PM
I was with J.C. Taylor for 30 years, until they wouldn't insure my first modified Studebaker. I have used Hagerty since 1999.

Gary L.
Wappinger, NY

1959 DeLuxe pickup (restomod)

studebakerjeff
07-11-2007, 03:28 PM
I've Have used Hagerty for about 5 yrs, and realy got a good deal on my second car.

1950 Champion business coupe

studebakerjeff
07-11-2007, 03:28 PM
I've Have used Hagerty for about 5 yrs, and realy got a good deal on my second car.

1950 Champion business coupe

Dick Steinkamp
07-11-2007, 03:56 PM
Grundy, but now they seem to have sub-ed out to Philadelphia Indemnity. I don't know if that is good or bad [?]

http://thenobot.org/images/s2d/s2d_01.jpg

Dick Steinkamp
07-11-2007, 03:56 PM
Grundy, but now they seem to have sub-ed out to Philadelphia Indemnity. I don't know if that is good or bad [?]

http://thenobot.org/images/s2d/s2d_01.jpg

JBOYLE
07-11-2007, 04:04 PM
My "financial advisor" is trying hard to get us to switch to SAFECO from our other policies, including Ammerican Collectors for my toy cars.
He's said they do agreed value, and a 5000 mile limit (more than i have now) and no "Only to car shows on sunny days in months that end in a vowel" restrictions.

Anyone have any experience with them?

63 Avanti R1 2788
1914 Stutz Bearcat
(George Barris replica)

Washington State

JBOYLE
07-11-2007, 04:04 PM
My "financial advisor" is trying hard to get us to switch to SAFECO from our other policies, including Ammerican Collectors for my toy cars.
He's said they do agreed value, and a 5000 mile limit (more than i have now) and no "Only to car shows on sunny days in months that end in a vowel" restrictions.

Anyone have any experience with them?

63 Avanti R1 2788
1914 Stutz Bearcat
(George Barris replica)

Washington State

Skip Lackie
07-11-2007, 04:41 PM
JC Taylor for 30 years or so.

Skip Lackie
Washington DC

Skip Lackie
07-11-2007, 04:41 PM
JC Taylor for 30 years or so.

Skip Lackie
Washington DC

JDP
07-11-2007, 04:42 PM
Hagerty, two cars, full coverage at 10K each, $220 year total for both.

JDP/Maryland
64 Daytona HT/R2 clone
64 GT R2
63 GT R2
63 Lark 2 door
59 3E truck
58 Starlight
52 & 53 Starliner
51 Commander

JDP
07-11-2007, 04:42 PM
Hagerty, two cars, full coverage at 10K each, $220 year total for both.

JDP/Maryland
64 Daytona HT/R2 clone
64 GT R2
63 GT R2
63 Lark 2 door
59 3E truck
58 Starlight
52 & 53 Starliner
51 Commander

fpstude
07-11-2007, 04:56 PM
J.C. Taylor for 20 years. West Coast

Perry
'23 Special Six,
'50 Business Champ,
'50 Starlight Champ,
'60 Lark droptop,
'63 GT

fpstude
07-11-2007, 04:56 PM
J.C. Taylor for 20 years. West Coast

Perry
'23 Special Six,
'50 Business Champ,
'50 Starlight Champ,
'60 Lark droptop,
'63 GT

jbwhttail
07-11-2007, 04:59 PM
I use Farm Bureau the same as my regular cars and my two toys. Farm Bureau requires an appraisal if the value is over 15k. I gladly paid an independent appraisor to give me an appraisal on my Golden Hawk and my Corvette. Sixty dollars for the appraisal on each car was cheap insurance, should something happen.

I have unlimited driving so I can drive when I want, the down side is my rate is same in winter months when I'm not driving the cars.

I would also say the guy did his homework before he came to my house. He had the Old Cars guide, Hemmings, copies of various auctions results along with like models on Ebay in past year. he asked for receipts of parts and contract work, then handed me the appraisal in under 10 minutes.

Today I don't believe for a minute in Old Car guide or Hemmings, I want "replacement value". An Excel spread sheet on the progress of my car in contract labor and parts gave him that.

Last time I do this,I promise

jbwhttail
07-11-2007, 04:59 PM
I use Farm Bureau the same as my regular cars and my two toys. Farm Bureau requires an appraisal if the value is over 15k. I gladly paid an independent appraisor to give me an appraisal on my Golden Hawk and my Corvette. Sixty dollars for the appraisal on each car was cheap insurance, should something happen.

I have unlimited driving so I can drive when I want, the down side is my rate is same in winter months when I'm not driving the cars.

I would also say the guy did his homework before he came to my house. He had the Old Cars guide, Hemmings, copies of various auctions results along with like models on Ebay in past year. he asked for receipts of parts and contract work, then handed me the appraisal in under 10 minutes.

Today I don't believe for a minute in Old Car guide or Hemmings, I want "replacement value". An Excel spread sheet on the progress of my car in contract labor and parts gave him that.

Last time I do this,I promise

jnormanh
07-11-2007, 04:59 PM
JC Taylor, $300K liability, $10K collision/theft, zero deductable, $100 per year.

jnormanh
07-11-2007, 04:59 PM
JC Taylor, $300K liability, $10K collision/theft, zero deductable, $100 per year.

lstude
07-11-2007, 05:28 PM
I have J. C. Taylor on my Daytona and they now insure modified cars. They quoted me a price of $236.00 for my 52 Commander (which is modified) which is twice what they charge me for my Daytona.

They also wanted it finished, so I just insured it with Farm Bureau, which I still need to get an appraisal.

Leonard Shepherd
http://leonardshepherd.com/

http://i129.photobucket.com/albums/p235/lstude1/Mein64DaytonaatBradfieldssm2.jpghttp://i129.photobucket.com/albums/p235/lstude1/AlmostreadyforSB6-4.jpg

lstude
07-11-2007, 05:28 PM
I have J. C. Taylor on my Daytona and they now insure modified cars. They quoted me a price of $236.00 for my 52 Commander (which is modified) which is twice what they charge me for my Daytona.

They also wanted it finished, so I just insured it with Farm Bureau, which I still need to get an appraisal.

Leonard Shepherd
http://leonardshepherd.com/

http://i129.photobucket.com/albums/p235/lstude1/Mein64DaytonaatBradfieldssm2.jpghttp://i129.photobucket.com/albums/p235/lstude1/AlmostreadyforSB6-4.jpg

vegas paul
07-11-2007, 05:35 PM
Do all colletible insurers require garaging for the vehicles?

Las Vegas, NV
'51 Champion Business Coupe G899965 10G-Q4-1434
http://i151.photobucket.com/albums/s144/vegas_paul/1462673_2_350.jpg?t=1180041622 http://i151.photobucket.com/albums/s144/vegas_paul/graciestude.jpg?t=1180041703

vegas paul
07-11-2007, 05:35 PM
Do all colletible insurers require garaging for the vehicles?

Las Vegas, NV
'51 Champion Business Coupe G899965 10G-Q4-1434
http://i151.photobucket.com/albums/s144/vegas_paul/1462673_2_350.jpg?t=1180041622 http://i151.photobucket.com/albums/s144/vegas_paul/graciestude.jpg?t=1180041703

JRoberts
07-11-2007, 05:47 PM
What about mileage limits? I was considering Hagerty for my Champ and my Cruiser, but they have limited mileage. Drive to a few meets around the state and maybe an International and a Zone Meet and I would be over the mileage limit.
Joe Roberts

JRoberts
07-11-2007, 05:47 PM
What about mileage limits? I was considering Hagerty for my Champ and my Cruiser, but they have limited mileage. Drive to a few meets around the state and maybe an International and a Zone Meet and I would be over the mileage limit.
Joe Roberts

raprice
07-11-2007, 07:10 PM
My 3 antique cars have been insured by Hagerty for about 10 years. Very pleased with them.
Rog

'59 Lark VI Regal Hardtop

raprice
07-11-2007, 07:10 PM
My 3 antique cars have been insured by Hagerty for about 10 years. Very pleased with them.
Rog

'59 Lark VI Regal Hardtop

Green53
07-11-2007, 07:41 PM
State Farm as I have an umbrella policy on the cars and house.
Denny L
53 Champion Starliner Modified
64 Daytona Covertible R1
64 Avanti R1

Green53
07-11-2007, 07:41 PM
State Farm as I have an umbrella policy on the cars and house.
Denny L
53 Champion Starliner Modified
64 Daytona Covertible R1
64 Avanti R1

geojerry
07-11-2007, 08:18 PM
My 63 GT Hawk is with Hagerty - $210 per year
The 78 Avanti is with AON ( 2007 is my last year. They dropped all US accts).

geojerry
07-11-2007, 08:18 PM
My 63 GT Hawk is with Hagerty - $210 per year
The 78 Avanti is with AON ( 2007 is my last year. They dropped all US accts).

53k
07-11-2007, 08:22 PM
I have my three cars with Taylor (24 years).


[img=right]http://www.frontiernet.net/~thejohnsons/Forum%20signature%20pix/R-4.JPG[/img=right][img=right]http://www.frontiernet.net/~thejohnsons/Forum%20signature%20pix/64L.JPG[/img=right][img=right]http://www.frontiernet.net/~thejohnsons/Forum%20signature%20pix/64P.jpg[/img=right][img=right]http://www.frontiernet.net/~thejohnsons/Forum%20signature%20pix/53K.jpg[/img=right]Paul Johnson
'53 Commander Starliner (since 1966)
'64 Daytona Wagonaire (original owner)
'64 Daytona Convertible (2006)
Museum R-4 engine

53k
07-11-2007, 08:22 PM
I have my three cars with Taylor (24 years).


[img=right]http://www.frontiernet.net/~thejohnsons/Forum%20signature%20pix/R-4.JPG[/img=right][img=right]http://www.frontiernet.net/~thejohnsons/Forum%20signature%20pix/64L.JPG[/img=right][img=right]http://www.frontiernet.net/~thejohnsons/Forum%20signature%20pix/64P.jpg[/img=right][img=right]http://www.frontiernet.net/~thejohnsons/Forum%20signature%20pix/53K.jpg[/img=right]Paul Johnson
'53 Commander Starliner (since 1966)
'64 Daytona Wagonaire (original owner)
'64 Daytona Convertible (2006)
Museum R-4 engine

CKOT
07-11-2007, 08:51 PM
State Farm.
$78/6 months for $7500 coverage on my GT Hawk
Liability, Medical, $100 deductible comprehensive, $250 deductible collision, emergency road service, uninsured/underinsured
No need to show an appraisal because model/make are low volume 9say in comparison to GTO, Camaro, vette, etc.)

http://i171.photobucket.com/albums/u317/chief120865/sdcforumsignature.jpg
Chris Kot
'63 GT Hawk
'37 Dictator Rod Project

CKOT
07-11-2007, 08:51 PM
State Farm.
$78/6 months for $7500 coverage on my GT Hawk
Liability, Medical, $100 deductible comprehensive, $250 deductible collision, emergency road service, uninsured/underinsured
No need to show an appraisal because model/make are low volume 9say in comparison to GTO, Camaro, vette, etc.)

http://i171.photobucket.com/albums/u317/chief120865/sdcforumsignature.jpg
Chris Kot
'63 GT Hawk
'37 Dictator Rod Project

Lenny R2
07-11-2007, 10:44 PM
I had my 49 Dodge club coupe insured by J.C. Taylor for
10 years.When i sold it in 03 & now have my 64 Avanti
with them.

Lenny
Atlanta Ga.

Lenny R2
07-11-2007, 10:44 PM
I had my 49 Dodge club coupe insured by J.C. Taylor for
10 years.When i sold it in 03 & now have my 64 Avanti
with them.

Lenny
Atlanta Ga.

MagikDraggin
07-11-2007, 10:48 PM
Grundy. Inexpensive, and no mileage requirements, providing you do not use the vehicle to drive to work or to school (or race it, of course).

http://img.photobucket.com/albums/v147/MagikDraggin/Other%20Stuff/IM000986-reduced.jpg?
1962 GT Hawk 4sp

MagikDraggin
07-11-2007, 10:48 PM
Grundy. Inexpensive, and no mileage requirements, providing you do not use the vehicle to drive to work or to school (or race it, of course).

http://img.photobucket.com/albums/v147/MagikDraggin/Other%20Stuff/IM000986-reduced.jpg?
1962 GT Hawk 4sp

pitbulllady
07-11-2007, 10:48 PM
I use State Farm. They let me make monthly payments, instead of one big payment every six months, and I get an educator's discount as well as a multiple car discount. They have both Classic and Antique insurance, both of which require an appraisal, but also will insure old cars based on book value without an appraisal.

pitbulllady

http://img.photobucket.com/albums/v669/pitbulllady/Automotive/CloneofDSCF4452.jpg

pitbulllady
07-11-2007, 10:48 PM
I use State Farm. They let me make monthly payments, instead of one big payment every six months, and I get an educator's discount as well as a multiple car discount. They have both Classic and Antique insurance, both of which require an appraisal, but also will insure old cars based on book value without an appraisal.

pitbulllady

http://img.photobucket.com/albums/v669/pitbulllady/Automotive/CloneofDSCF4452.jpg

Swifster
07-11-2007, 11:47 PM
quote:Originally posted by vegas paul

Do all colletible insurers require garaging for the vehicles?



Paul, just to quickly answer your question, I haven't seen a company yet that doesn't require locked storage. The companies I've worked for (Hagerty, Infinity, Great American) have had this for a requirement and typically want pictures for the storage area as part of the claims process.

I want to thank everyone for their responses. I'm currently looking at cars for Infinity's Classic Collector department, and spoke to a rep today from Hagerty about looking at their cars down here. I worked for both in MI and OH before moving south. Those who would still like to respond are welcome and I'll use this as an idea of what companies are in this business.

Paying job #1 was last week outside Orlando. It was a 2001 Lamborghini Diablo VT 6.0 [:0]. The quarter was scratched and the rocker had a hole in it (carbonfiber) from backing into a light post. The repair was only $16K :D!

---------------------------------------------------------------------------------------------------
Tom - Valrico, FL

1964 Studebaker Daytona - 289 4V, 4-Speed

http://i74.photobucket.com/albums/i280/Swifster/1965_Studebaker_Commander_front198x.jpg

Swifster
07-11-2007, 11:47 PM
quote:Originally posted by vegas paul

Do all colletible insurers require garaging for the vehicles?



Paul, just to quickly answer your question, I haven't seen a company yet that doesn't require locked storage. The companies I've worked for (Hagerty, Infinity, Great American) have had this for a requirement and typically want pictures for the storage area as part of the claims process.

I want to thank everyone for their responses. I'm currently looking at cars for Infinity's Classic Collector department, and spoke to a rep today from Hagerty about looking at their cars down here. I worked for both in MI and OH before moving south. Those who would still like to respond are welcome and I'll use this as an idea of what companies are in this business.

Paying job #1 was last week outside Orlando. It was a 2001 Lamborghini Diablo VT 6.0 [:0]. The quarter was scratched and the rocker had a hole in it (carbonfiber) from backing into a light post. The repair was only $16K :D!

---------------------------------------------------------------------------------------------------
Tom - Valrico, FL

1964 Studebaker Daytona - 289 4V, 4-Speed

http://i74.photobucket.com/albums/i280/Swifster/1965_Studebaker_Commander_front198x.jpg

Hawk5619
07-12-2007, 12:05 AM
Hagerty, I have 4 cars on the policy and it cost about $400 a year for full coverage. They are insured on average 20K

Rick
Wellington, Colorado

Hawk5619
07-12-2007, 12:05 AM
Hagerty, I have 4 cars on the policy and it cost about $400 a year for full coverage. They are insured on average 20K

Rick
Wellington, Colorado

Skip Lackie
07-12-2007, 08:02 AM
quote:Originally posted by JRoberts

What about mileage limits? I was considering Hagerty for my Champ and my Cruiser, but they have limited mileage. Drive to a few meets around the state and maybe an International and a Zone Meet and I would be over the mileage limit.
Joe Roberts


I think there is more than one answer to the question about mileage limits. My JC Taylor policy says 2500 miles per year per car. However, when I called them and said I was gonna put that much mileage on one car over a two week period to go to a meet (which would mean I couldn't drive it the rest of the year), they said "no problem". They added a binder note to my policy, and said as long as they're informed of such exceptions, they had no problem with it.

An additional comment: the more cars you have with them and the longer you've been with them as a customer, the less demanding they become on such matters as pictures, etc.

Skip Lackie
Washington DC

Skip Lackie
07-12-2007, 08:02 AM
quote:Originally posted by JRoberts

What about mileage limits? I was considering Hagerty for my Champ and my Cruiser, but they have limited mileage. Drive to a few meets around the state and maybe an International and a Zone Meet and I would be over the mileage limit.
Joe Roberts


I think there is more than one answer to the question about mileage limits. My JC Taylor policy says 2500 miles per year per car. However, when I called them and said I was gonna put that much mileage on one car over a two week period to go to a meet (which would mean I couldn't drive it the rest of the year), they said "no problem". They added a binder note to my policy, and said as long as they're informed of such exceptions, they had no problem with it.

An additional comment: the more cars you have with them and the longer you've been with them as a customer, the less demanding they become on such matters as pictures, etc.

Skip Lackie
Washington DC

vegas paul
07-12-2007, 09:43 AM
Do those of you with multiple cars on these policies actually have 4 and 5 car garages that they are locked/stored in? I just wonder if my policy would be voided on a claim if it turns out I don't always garage my Stude. I do have a garage, and can show pictures of it when applying for coverage, but SWMBO's car has first dibbs on the protected parking...

Las Vegas, NV
'51 Champion Business Coupe G899965 10G-Q4-1434
http://i151.photobucket.com/albums/s144/vegas_paul/1462673_2_350.jpg?t=1180041622 http://i151.photobucket.com/albums/s144/vegas_paul/graciestude.jpg?t=1180041703

vegas paul
07-12-2007, 09:43 AM
Do those of you with multiple cars on these policies actually have 4 and 5 car garages that they are locked/stored in? I just wonder if my policy would be voided on a claim if it turns out I don't always garage my Stude. I do have a garage, and can show pictures of it when applying for coverage, but SWMBO's car has first dibbs on the protected parking...

Las Vegas, NV
'51 Champion Business Coupe G899965 10G-Q4-1434
http://i151.photobucket.com/albums/s144/vegas_paul/1462673_2_350.jpg?t=1180041622 http://i151.photobucket.com/albums/s144/vegas_paul/graciestude.jpg?t=1180041703

Dick Steinkamp
07-12-2007, 11:07 AM
quote:Originally posted by vegas paul
I just wonder if my policy would be voided on a claim if it turns out I don't always garage my Stude. I do have a garage, and can show pictures of it when applying for coverage, but SWMBO's car has first dibbs on the protected parking...



It's really not good to lie to your insurance company. Yes, they can and will void a claim if they found out you weren't truthful. In addition, all our rates are impacted by claims. One reason collector car insurance is cheap is that we agree to keep these cars in locked garages. If we agree to do that and then don't and a claim results because of it, we all loose.

You can always rent an additional garage if you need to.

http://thenobot.org/images/s2d/s2d_01.jpg

Dick Steinkamp
07-12-2007, 11:07 AM
quote:Originally posted by vegas paul
I just wonder if my policy would be voided on a claim if it turns out I don't always garage my Stude. I do have a garage, and can show pictures of it when applying for coverage, but SWMBO's car has first dibbs on the protected parking...



It's really not good to lie to your insurance company. Yes, they can and will void a claim if they found out you weren't truthful. In addition, all our rates are impacted by claims. One reason collector car insurance is cheap is that we agree to keep these cars in locked garages. If we agree to do that and then don't and a claim results because of it, we all loose.

You can always rent an additional garage if you need to.

http://thenobot.org/images/s2d/s2d_01.jpg

Swifster
07-12-2007, 11:08 AM
quote:Originally posted by vegas paul

Do those of you with multiple cars on these policies actually have 4 and 5 car garages that they are locked/stored in? I just wonder if my policy would be voided on a claim if it turns out I don't always garage my Stude. I do have a garage, and can show pictures of it when applying for coverage, but SWMBO's car has first dibbs on the protected parking...


Not all insured's keep their cars in one garage. Many will have a secondary garage off site to store a car or two. As for not having a claim paid, I doubt they would deny a claim (blah, blah, blah, they took at premium, etc., etc), but they may decline to renew the policy. Just curious, what's SWMBO?

To touch on Skip's point on the mileage limit, this is absolutely true. If you have a 2500 mile limit and you decide to do the Hot Rod Power Tour, they will make exceptions. Keeping detailed records doesn't hurt either. Also as mentioned, a long relationship with a copy can buy you a certain amount of grace. This is true even with your regular insurance company. If you are shopping your insurance, saving $100 many not be in your best interest if the company you are switching from a company you've been with for 10+ years. A company will tend to 'reward' you if there is a boarderline item that may need to be covered.

So no one here has Infinity for their classic car insurance?

---------------------------------------------------------------------------------------------------
Tom - Valrico, FL

1964 Studebaker Daytona - 289 4V, 4-Speed

http://i74.photobucket.com/albums/i280/Swifster/1965_Studebaker_Commander_front198x.jpg

Swifster
07-12-2007, 11:08 AM
quote:Originally posted by vegas paul

Do those of you with multiple cars on these policies actually have 4 and 5 car garages that they are locked/stored in? I just wonder if my policy would be voided on a claim if it turns out I don't always garage my Stude. I do have a garage, and can show pictures of it when applying for coverage, but SWMBO's car has first dibbs on the protected parking...


Not all insured's keep their cars in one garage. Many will have a secondary garage off site to store a car or two. As for not having a claim paid, I doubt they would deny a claim (blah, blah, blah, they took at premium, etc., etc), but they may decline to renew the policy. Just curious, what's SWMBO?

To touch on Skip's point on the mileage limit, this is absolutely true. If you have a 2500 mile limit and you decide to do the Hot Rod Power Tour, they will make exceptions. Keeping detailed records doesn't hurt either. Also as mentioned, a long relationship with a copy can buy you a certain amount of grace. This is true even with your regular insurance company. If you are shopping your insurance, saving $100 many not be in your best interest if the company you are switching from a company you've been with for 10+ years. A company will tend to 'reward' you if there is a boarderline item that may need to be covered.

So no one here has Infinity for their classic car insurance?

---------------------------------------------------------------------------------------------------
Tom - Valrico, FL

1964 Studebaker Daytona - 289 4V, 4-Speed

http://i74.photobucket.com/albums/i280/Swifster/1965_Studebaker_Commander_front198x.jpg

vegas paul
07-12-2007, 11:22 AM
Swifster - SWMBO is "She Who Must Be Obeyed". I'm not advocating lying to insurance companies by any means, but I have a situation where my Stude can't ALWAYS be in one of the existing garage spaces, and is parked in the driveway overnight. This usually happens when one of my "workshop" projects takes up one of the garage bays. I could honestly state (and indicate) to an insurance company that it is my intent to keep the car garaged, but if the vehicle is occaisionally parked outside overnight (due to my own inability to keep my garage organized!) I wouldn't want a claim denied.

Las Vegas, NV
'51 Champion Business Coupe G899965 10G-Q4-1434
http://i151.photobucket.com/albums/s144/vegas_paul/1462673_2_350.jpg?t=1180041622 http://i151.photobucket.com/albums/s144/vegas_paul/graciestude.jpg?t=1180041703

vegas paul
07-12-2007, 11:22 AM
Swifster - SWMBO is "She Who Must Be Obeyed". I'm not advocating lying to insurance companies by any means, but I have a situation where my Stude can't ALWAYS be in one of the existing garage spaces, and is parked in the driveway overnight. This usually happens when one of my "workshop" projects takes up one of the garage bays. I could honestly state (and indicate) to an insurance company that it is my intent to keep the car garaged, but if the vehicle is occaisionally parked outside overnight (due to my own inability to keep my garage organized!) I wouldn't want a claim denied.

Las Vegas, NV
'51 Champion Business Coupe G899965 10G-Q4-1434
http://i151.photobucket.com/albums/s144/vegas_paul/1462673_2_350.jpg?t=1180041622 http://i151.photobucket.com/albums/s144/vegas_paul/graciestude.jpg?t=1180041703

Dick Steinkamp
07-12-2007, 11:44 AM
quote:Originally posted by vegas paul
it is my intent to keep the car garaged, but if the vehicle is occaisionally parked outside overnight (due to my own inability to keep my garage organized!) I wouldn't want a claim denied.



You might call the insurance company and chat with them about that. Maybe they'd go for 10-20 days a year or something else you can live with.

http://thenobot.org/images/s2d/s2d_01.jpg

Dick Steinkamp
07-12-2007, 11:44 AM
quote:Originally posted by vegas paul
it is my intent to keep the car garaged, but if the vehicle is occaisionally parked outside overnight (due to my own inability to keep my garage organized!) I wouldn't want a claim denied.



You might call the insurance company and chat with them about that. Maybe they'd go for 10-20 days a year or something else you can live with.

http://thenobot.org/images/s2d/s2d_01.jpg

Swifster
07-12-2007, 01:28 PM
quote:Originally posted by vegas paul

Swifster - SWMBO is "She Who Must Be Obeyed".


Paul, I've always had this rule with anyone I've co-habitated with; I GET THE GARAGE! Now having said this, I've never gotten to the point of marriage. I've come close. After almost four years of dating, I was making arrangements to propose (ring,etc.) when I heard those infamous words that I'll never forget...

"You realize if we get married that you'll have to give up the car racing."

Hmmmm. It took 3-1/2 years to tell me this :(? The ladies usually get the run of the house with the possible exception of the home office. Figuratively speaking, I mark my territory in the garage and the office. Kitchen? Yes, dear! Family room? Yes, dear! Garage? Not on your life [}:)]!

As for the few days that another project puts the car outside as an exception, there are no repercussions. If there are signs that the car hasn't seen the garage since Reagan was in office, they will non-renew you. This is part of the job the appraiser has when handling a claim. If I came to your house and your garage looks like my buddy's (just packed to the rafters with crap with no possiblity of a car being parked inside), yes they may deny the claim. If you have a body shell freshly painted and returned from the body shop next to the restored frame just waiting to be reunited, I don't think this would be any issue at all.

I've mentioned this before, but the only collector car claim that I've seen denied involved a guy driving an 'overvalued' '87 Corvette convertible (it was just a rat trap) that had 17,000 miles on it before the guy rolled it at the end of his block. The car had a 5,000 mile limit and had only been insured for 9 months. This was obviously used as an everyday car (especially since the car was in MI).

---------------------------------------------------------------------------------------------------
Tom - Valrico, FL

1964 Studebaker Daytona - 289 4V, 4-Speed

http://i74.photobucket.com/albums/i280/Swifster/1965_Studebaker_Commander_front198x.jpg

Swifster
07-12-2007, 01:28 PM
quote:Originally posted by vegas paul

Swifster - SWMBO is "She Who Must Be Obeyed".


Paul, I've always had this rule with anyone I've co-habitated with; I GET THE GARAGE! Now having said this, I've never gotten to the point of marriage. I've come close. After almost four years of dating, I was making arrangements to propose (ring,etc.) when I heard those infamous words that I'll never forget...

"You realize if we get married that you'll have to give up the car racing."

Hmmmm. It took 3-1/2 years to tell me this :(? The ladies usually get the run of the house with the possible exception of the home office. Figuratively speaking, I mark my territory in the garage and the office. Kitchen? Yes, dear! Family room? Yes, dear! Garage? Not on your life [}:)]!

As for the few days that another project puts the car outside as an exception, there are no repercussions. If there are signs that the car hasn't seen the garage since Reagan was in office, they will non-renew you. This is part of the job the appraiser has when handling a claim. If I came to your house and your garage looks like my buddy's (just packed to the rafters with crap with no possiblity of a car being parked inside), yes they may deny the claim. If you have a body shell freshly painted and returned from the body shop next to the restored frame just waiting to be reunited, I don't think this would be any issue at all.

I've mentioned this before, but the only collector car claim that I've seen denied involved a guy driving an 'overvalued' '87 Corvette convertible (it was just a rat trap) that had 17,000 miles on it before the guy rolled it at the end of his block. The car had a 5,000 mile limit and had only been insured for 9 months. This was obviously used as an everyday car (especially since the car was in MI).

---------------------------------------------------------------------------------------------------
Tom - Valrico, FL

1964 Studebaker Daytona - 289 4V, 4-Speed

http://i74.photobucket.com/albums/i280/Swifster/1965_Studebaker_Commander_front198x.jpg

Blue 15G
07-12-2007, 01:56 PM
Hagerty for the last 11 years. Also used J.C. Taylor and Grundy many years ago.

Blue 15G
07-12-2007, 01:56 PM
Hagerty for the last 11 years. Also used J.C. Taylor and Grundy many years ago.

vegas paul
07-12-2007, 02:27 PM
I've been planning on (and saving for) a detatched 3-car garage/workshop. This is in addition to the attached 3-car garage on my house. Maybe this is more incentive to get off my butt and actually build it. then my attached garage could actually be used for protecting cars. What a concept.

Las Vegas, NV
'51 Champion Business Coupe G899965 10G-Q4-1434
http://i151.photobucket.com/albums/s144/vegas_paul/1462673_2_350.jpg?t=1180041622 http://i151.photobucket.com/albums/s144/vegas_paul/graciestude.jpg?t=1180041703

vegas paul
07-12-2007, 02:27 PM
I've been planning on (and saving for) a detatched 3-car garage/workshop. This is in addition to the attached 3-car garage on my house. Maybe this is more incentive to get off my butt and actually build it. then my attached garage could actually be used for protecting cars. What a concept.

Las Vegas, NV
'51 Champion Business Coupe G899965 10G-Q4-1434
http://i151.photobucket.com/albums/s144/vegas_paul/1462673_2_350.jpg?t=1180041622 http://i151.photobucket.com/albums/s144/vegas_paul/graciestude.jpg?t=1180041703

Laemmle
07-12-2007, 03:02 PM
Tom,

I love your mandates!



quote:Originally posted by Swifster


quote:Originally posted by vegas paul

Swifster - SWMBO is "She Who Must Be Obeyed".


Paul, I've always had this rule with anyone I've co-habitated with; I GET THE GARAGE! Now having said this, I've never gotten to the point of marriage. I've come close. After almost four years of dating, I was making arrangements to propose (ring,etc.) when I heard those infamous words that I'll never forget...

"You realize if we get married that you'll have to give up the car racing."

Hmmmm. It took 3-1/2 years to tell me this :(? The ladies usually get the run of the house with the possible exception of the home office. Figuratively speaking, I mark my territory in the garage and the office. Kitchen? Yes, dear! Family room? Yes, dear! Garage? Not on your life [}:)]!

As for the few days that another project puts the car outside as an exception, there are no repercussions. If there are signs that the car hasn't seen the garage since Reagan was in office, they will non-renew you. This is part of the job the appraiser has when handling a claim. If I came to your house and your garage looks like my buddy's (just packed to the rafters with crap with no possiblity of a car being parked inside), yes they may deny the claim. If you have a body shell freshly painted and returned from the body shop next to the restored frame just waiting to be reunited, I don't think this would be any issue at all.

I've mentioned this before, but the only collector car claim that I've seen denied involved a guy driving an 'overvalued' '87 Corvette convertible (it was just a rat trap) that had 17,000 miles on it before the guy rolled it at the end of his block. The car had a 5,000 mile limit and had only been insured for 9 months. This was obviously used as an everyday car (especially since the car was in MI).

---------------------------------------------------------------------------------------------------
Tom - Valrico, FL

1964 Studebaker Daytona - 289 4V, 4-Speed

http://i74.photobucket.com/albums/i280/Swifster/1965_Studebaker_Commander_front198x.jpg

Laemmle
07-12-2007, 03:02 PM
Tom,

I love your mandates!



quote:Originally posted by Swifster


quote:Originally posted by vegas paul

Swifster - SWMBO is "She Who Must Be Obeyed".


Paul, I've always had this rule with anyone I've co-habitated with; I GET THE GARAGE! Now having said this, I've never gotten to the point of marriage. I've come close. After almost four years of dating, I was making arrangements to propose (ring,etc.) when I heard those infamous words that I'll never forget...

"You realize if we get married that you'll have to give up the car racing."

Hmmmm. It took 3-1/2 years to tell me this :(? The ladies usually get the run of the house with the possible exception of the home office. Figuratively speaking, I mark my territory in the garage and the office. Kitchen? Yes, dear! Family room? Yes, dear! Garage? Not on your life [}:)]!

As for the few days that another project puts the car outside as an exception, there are no repercussions. If there are signs that the car hasn't seen the garage since Reagan was in office, they will non-renew you. This is part of the job the appraiser has when handling a claim. If I came to your house and your garage looks like my buddy's (just packed to the rafters with crap with no possiblity of a car being parked inside), yes they may deny the claim. If you have a body shell freshly painted and returned from the body shop next to the restored frame just waiting to be reunited, I don't think this would be any issue at all.

I've mentioned this before, but the only collector car claim that I've seen denied involved a guy driving an 'overvalued' '87 Corvette convertible (it was just a rat trap) that had 17,000 miles on it before the guy rolled it at the end of his block. The car had a 5,000 mile limit and had only been insured for 9 months. This was obviously used as an everyday car (especially since the car was in MI).

---------------------------------------------------------------------------------------------------
Tom - Valrico, FL

1964 Studebaker Daytona - 289 4V, 4-Speed

http://i74.photobucket.com/albums/i280/Swifster/1965_Studebaker_Commander_front198x.jpg

studeski
07-12-2007, 03:26 PM
I use AON formerly K&K. Unlimited mileage. 300k/300k. $280 a year for 3 Studes.

Claude Chmielewski
Studeski
http://www.studeski.com
Fillmore, Wisconsin
47 M-16 Truck
62 GT Hawk
63 Lark
64 Commander Wagonaire
50 Champion Regal (parts car)
[img=left]http://www.studeski.com/62hawk/dakota01.jpg[/img=left]
"One after another they volunteered how in their families and in their
communities they were expected to be responsible for their behavior, how
honesty was assumed to be the rule, not the exception. They also talked
matter-of-factly about the sense of duty to their country, a sentiment not
much in fashion anymore."

studeski
07-12-2007, 03:26 PM
I use AON formerly K&K. Unlimited mileage. 300k/300k. $280 a year for 3 Studes.

Claude Chmielewski
Studeski
http://www.studeski.com
Fillmore, Wisconsin
47 M-16 Truck
62 GT Hawk
63 Lark
64 Commander Wagonaire
50 Champion Regal (parts car)
[img=left]http://www.studeski.com/62hawk/dakota01.jpg[/img=left]
"One after another they volunteered how in their families and in their
communities they were expected to be responsible for their behavior, how
honesty was assumed to be the rule, not the exception. They also talked
matter-of-factly about the sense of duty to their country, a sentiment not
much in fashion anymore."

studegary
07-12-2007, 03:52 PM
quote:Originally posted by vegas paul

Do those of you with multiple cars on these policies actually have 4 and 5 car garages that they are locked/stored in? I just wonder if my policy would be voided on a claim if it turns out I don't always garage my Stude. I do have a garage, and can show pictures of it when applying for coverage, but SWMBO's car has first dibbs on the protected parking...




The short answer to your question is; in my case, YES. Now to elaborate; When I was up to 10 cars, my house had a four car garage and I rented spaces for other cars. More recently, I live in a house with a two car garage. This year, I sold my deceased father's house that had another two car garage. Now, the one or two special interest cars stay in the garage at our home and the extra (beyond garage space) regular use cars stay out doors.

Gary L.
Wappinger, NY

1959 DeLuxe pickup (restomod)

studegary
07-12-2007, 03:52 PM
quote:Originally posted by vegas paul

Do those of you with multiple cars on these policies actually have 4 and 5 car garages that they are locked/stored in? I just wonder if my policy would be voided on a claim if it turns out I don't always garage my Stude. I do have a garage, and can show pictures of it when applying for coverage, but SWMBO's car has first dibbs on the protected parking...




The short answer to your question is; in my case, YES. Now to elaborate; When I was up to 10 cars, my house had a four car garage and I rented spaces for other cars. More recently, I live in a house with a two car garage. This year, I sold my deceased father's house that had another two car garage. Now, the one or two special interest cars stay in the garage at our home and the extra (beyond garage space) regular use cars stay out doors.

Gary L.
Wappinger, NY

1959 DeLuxe pickup (restomod)

farmhawk
07-12-2007, 11:24 PM
I use American Collectors Ins, they're the only ones I could find that would insure the Hawk while it is being restored.

Wayen K.
Libby, MT
61 Hawk (Project)

farmhawk
07-12-2007, 11:24 PM
I use American Collectors Ins, they're the only ones I could find that would insure the Hawk while it is being restored.

Wayen K.
Libby, MT
61 Hawk (Project)

Jeff_H
07-13-2007, 08:34 AM
Continental-Western based in IA. I'm probably under-insured right now given the rising values of Studes since I haven't adjusted it for a couple years. $81/yr. Car must be kept in a garage, no carports or tarps. Also, the driver must have at least 10yrs driving experience. I don't think there are mileage limits but it does say only for shows, club events, and occasional "pleasure use".


Jeff in ND
http://i156.photobucket.com/albums/t5/ee-engineer/53byalaketiny.jpg
'53 Champion Hardtop

Jeff_H
07-13-2007, 08:34 AM
Continental-Western based in IA. I'm probably under-insured right now given the rising values of Studes since I haven't adjusted it for a couple years. $81/yr. Car must be kept in a garage, no carports or tarps. Also, the driver must have at least 10yrs driving experience. I don't think there are mileage limits but it does say only for shows, club events, and occasional "pleasure use".


Jeff in ND
http://i156.photobucket.com/albums/t5/ee-engineer/53byalaketiny.jpg
'53 Champion Hardtop

MikeW
07-13-2007, 01:29 PM
I've had AON but now that they are getting out of insuring collector cars it looks as though I will go with Elite Collector Car of American Modern. This is the company that is taking over the AON business. They apparently use Atlas Insurance Agency as that is who I have had contact with. If you were an AON customer they offer a similar policy with no mileage limits.


Mike
www.packardhawk.com

MikeW
07-13-2007, 01:29 PM
I've had AON but now that they are getting out of insuring collector cars it looks as though I will go with Elite Collector Car of American Modern. This is the company that is taking over the AON business. They apparently use Atlas Insurance Agency as that is who I have had contact with. If you were an AON customer they offer a similar policy with no mileage limits.


Mike
www.packardhawk.com