--===============1080188601029756084==
--001a113ceef44e6663051e154568
I had to get an appraiser's stated value in writing that cost me $275, that
valued the car at 52.5, the writer for Commerce said they would only insure
the car for 48 with a 500 deductible. If you want the freedom to use the
car it's gonna cost ya.
Jeff
On Sun, Aug 23, 2015 at 6:50 PM, Stu via Tigers <tigers@autox.team.net>
wrote:
> 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
>>
>>
>>
>>
>
> _______________________________________________
>
> tigers@autox.team.net
>
> Donate: http://www.team.net/donate.html
> Archive: http://www.team.net/archive
> Forums: http://www.team.net/forums
> Unsubscribe:
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>
>
>
>
--001a113ceef44e6663051e154568
Content-Transfer-Encoding: quoted-printable
<div dir=3D"ltr"><div>I had to get an appraiser's stated value in writi=
ng that cost me $275, that valued the car at 52.5, the writer for Commerce =
said they would only insure the car for 48 with a 500 deductible. If you wa=
nt the freedom to use the car it's gonna cost ya.</div><div>=C2=A0 Jeff=
</div></div><div class=3D"gmail_extra"><br><div class=3D"gmail_quote">On Su=
n, Aug 23, 2015 at 6:50 PM, Stu via Tigers <span dir=3D"ltr"><<a href=3D=
"mailto:tigers@autox.team.net"; target=3D"_blank">tigers@autox.team.net</a>&=
gt;</span> wrote:<br><blockquote class=3D"gmail_quote" style=3D"margin:0 0 =
0 .8ex;border-left:1px #ccc solid;padding-left:1ex"><div dir=3D"ltr"><div c=
lass=3D"gmail_default" style=3D"font-size:small">I just went through this, =
and Hagerty seemed a little more liberal than Grundy.=C2=A0 Their use restr=
ictions mostly fit my use model.=C2=A0 Occasional pleasure drives, car show=
s, 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.=C2=A0 From what their =
stuff says, these would be mostly OK.</div><div class=3D"gmail_default" sty=
le=3D"font-size:small"><br></div><div class=3D"gmail_default" style=3D"font=
-size:small">Stu</div></div><div class=3D"gmail_extra"><br><div class=3D"gm=
ail_quote"><div><div class=3D"h5">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></div><=
/div><blockquote class=3D"gmail_quote" style=3D"margin:0px 0px 0px 0.8ex;pa=
dding-left:1ex;border-left-color:rgb(204,204,204);border-left-width:1px;bor=
der-left-style:solid"><div><div class=3D"h5"><div dir=3D"ltr">I have had th=
e same issue - this is also for my early 911 and 912.=C2=A0 There are a num=
ber of issues with all 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 2=
000 Boxster, which is still like new isn't good enough. One company sai=
d I might be able to get a waiver of this one.=C2=A0 Some said there is no =
waiver. =C2=A0<div><br></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 cars with my kids here and now.</div><div><br></div><div>Ano=
ther issue is that you can use it to go to work once and a while.=C2=A0 But=
that is on a rare 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 b=
e covered.=C2=A0 That means NO coverage.=C2=A0 Some of them were really str=
ict 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 accide=
nt without a huge fight.</div><div><br></div><div>One of the places, and I =
think it was Grundy's, I asked if I could stop at a hardware store on t=
he 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 s=
he sure hopes she doesn't insure that car!=C2=A0 Geeze, really?=C2=A0 U=
s car guys can'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 joy 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 th=
e same questions.=C2=A0 They all basically gave the same answers.=C2=A0 Yes=
, you can get their insurance and figure they will never know.=C2=A0 And th=
ey may give half answers about how they cover various things.=C2=A0 But, if=
you really put them to specific questions, they don't give good answer=
s. =C2=A0</div><div><br></div><div>I get it.=C2=A0 They have to evaluate th=
eir risk and what they want to insure.=C2=A0 They want to insure parade car=
s and joy ride cars, 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><d=
iv><br></div><div>I guess you can look at it another way too.=C2=A0 I have =
not paid more than $10k for any of my cars.=C2=A0 So in one way, if somethi=
ng bad happened, I would be out only $10k plus the expenses over the years.=
=C2=A0 I know, two of these cars are probably (definitely?) worth over $100=
k in investment terms.=C2=A0 So I could lose much more in paper.=C2=A0 I do=
n't like looking at it this way, but it is a way to rationalize it.</di=
v><div><br></div><div>Right now, I do a lot of self insurance by being espe=
cially careful where I park the cars, how long I am away from them, how wel=
l they are locked up, etc.=C2=A0 It's not perfect.=C2=A0 But, I'd r=
ather be underinsured than have NO insurance because I have a classic polic=
y and I'm using 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 cla=
ss=3D"gmail_extra"><br><div class=3D"gmail_quote">On Sun, Aug 23, 2015 at 2=
:59 PM, genepadgett--- via Tigers <span dir=3D"ltr"><<a href=3D"mailto:t=
igers@autox.team.net" target=3D"_blank">tigers@autox.team.net</a>></span=
> wrote:<br><blockquote class=3D"gmail_quote" style=3D"margin:0px 0px 0px 0=
.8ex;padding-left:1ex;border-left-color:rgb(204,204,204);border-left-width:=
1px;border-left-style:solid"><div><div style=3D"color:rgb(0,0,0);font-famil=
y:Times New Roman;font-size:12pt"><div><br></div><div><br></div><div style=
=3D"color:rgb(0,0,0);font-family:Helvetica,Arial,sans-serif;font-size:12pt;=
font-style:normal;font-weight:normal;text-decoration:none"><div style=3D"co=
lor:rgb(0,0,0);font-family:Times New Roman;font-size:12pt"><div>I did not s=
ee this post to my own e-mail and am thinking that somehow it did not go th=
rough.=C2=A0 I am re-sending it in hopes that it will go through this time.=
=C2=A0 Confirmation of receipt from anyone on the List would be appreciate=
d.</div><div><br></div><div>TIA, =C2=A0 Gene</div><div><br></div><hr><div s=
tyle=3D"color:rgb(0,0,0);font-family:Helvetica,Arial,sans-serif;font-size:1=
2pt;font-style:normal;font-weight:normal;text-decoration:none"><b>From: </b=
><a href=3D"mailto:genepadgett@comcast.net"; target=3D"_blank">genepadgett@c=
omcast.net</a><br><b>To: </b>"tigers" <<a href=3D"mailto:tiger=
s@autox.team.net" target=3D"_blank">tigers@autox.team.net</a>><br><b>Sen=
t: </b>Friday, August 21, 2015 12:28:53 PM<br><b>Subject: </b>Driven Tger n=
surance<br><div><br></div><div style=3D"color:rgb(0,0,0);font-family:Times =
New Roman;font-size:12pt"><div>Hi All,</div><div><br></div><div>With the re=
cent jump in auction prices for our cars, I am wondering what people like m=
e who just enjoy driving their cars are doing for insurance. =C2=A0 I just =
got turned down by Grundy because the "vehicle cannot be used as backu=
p, 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 i=
n the first place. =C2=A0 It is the journey not the destination that matter=
s to me. =C2=A0 =C2=A0I bought the car new in 1967 and have never thought o=
f it as a collectible or investment. =C2=A0 Still with the recent escalatio=
n 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</div><div><br></div></div></div><div><br></div></div></d=
iv><div><br></div></div></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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/mailman/options/tigers/jay.laifman@gmail.com</a><br>
<br>
<br>
<br></blockquote></div><br></div>
<br>_______________________________________________<br>
<br>
<a href=3D"mailto:tigers@autox.team.net"; target=3D"_blank">tigers@autox.tea=
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