I had my insurance company write a standard policy for
my Pathfinder with the possibility of adding the
Roadster at a later date. Other than the fact that I
pay a lot for being young(27) and owning a 4 wheel
drive that I pay payments on, the Roadster will only
be an additional $40 a month for full coverage!
joshua milton
69 1600
encino, ca
--- SGHT@aol.com wrote:
> As an insurance agent (retired) let me caution you:
> 1- The limited use policies (Haggerty/J C.
> Taylor/etc.) have restrictive
> language such as only for parades, shows and
> occasional pleasure rides. They
> specifically exclude driving to work, doing errands,
> etc. This is really
> collector car insurance. If you take road
> trips/cruises or take car to work
> or the store, insure on your standard auto policy.
> Remember, the minor fender
> bender is no sweat but if you have a "major"
> accident, the insurance company
> can easily deny the claim as you were not within the
> limited use restrictions
> of policy. The reason the premium is low is because
> their use restrictions
> greatly reduce their exposure when compared to
> regular use of most cars.
> 2- All auto policies I have ever seen (except for
> speciality/expensive racing
> coverage) specifically exclude coverage when the car
> is in any type of speed
> contest. This includes road racing, x-cross, drags
> and even rally. I have
> heard of claims paid on rally damage (I think there
> were some "details"
> missing in the accident report) and even know of a
> total loss paid on a
> Ferrari the flipped during a Ferrari Club day at
> Watkins Glen. It was deemed
> that this was not a race and no times were kept, so
> it was not competitive.
> It was a hassle, but they paid.
> FWIW
> Sam Turner
> (Vintage racer/just ran in Brock Yates Cannonball
> Classic/not your normal
> policy pusher)
>
=====
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