I have the same problem with my 61 Jag MKII. I drive it every day & put at
least 12,000 miles per year. Needless to say the classic insurance
companies think I'm nuts. The problem here in NJ is that if you have
classic coverage & have an accident at 2AM on a Wednesday,not only aren't
you covered but NJ considers it fraud & you're deemed to be driving without
valid insurance. Not worth the risk. I have Ohio Casualty with an agreed
value of $10,000 with just photos, no appraisal; more & you need a licensed
appraiser. Not perfect, but when I had an engine fire at work, they paid in
full & didn't drop me from coverage or raise the rates. Sue
|