I went through this with Haggerty when I first applied. The restrictions
sounded too severe so I didn't follow up. They called me back and when I
went through the way I use the car - they said I would be covered. I just
browsed through the policy again, and I still think it covers my use. The
coverage is restricted to a "Antique" or "Classic" car that is:
1. maintained primarily for use in car club activities, exhibitions,
parades, other functions of public interest or for for a private collection;
and
2. used only infrequently for other purposes.
When I spoke to them the second time, driving to work on occasion because
there was a club meeting or garage appointment that day was ok, going for
pleasure drives was ok. I think they asked about miles/year and parking and
that sort of stuff.
The other restricition is that it can't be your only vehicle and you must
have a seperate policy on that other vehicle.
I hope I never find out how good the policy really is, but it seems to meet
my needs on paper. YMMV.
Bob
----- Original Message -----
From: "Williams, Bill (Atlanta)" <Bill.Williams@hp.com>
To: "larry stein" <larry@ehc.org>; <triumphs@autox.team.net>
Sent: Friday, August 30, 2002 9:50 AM
Subject: RE: another question on car insurance
> Larry,
>
> I went through this exercise about a year ago.
>
> I called all the classic/antique insurance companies that I could find.
> What I found out from each one is that you are basically covered for
> "club" events and "pleasure" driving. When I asked each one what
> "pleasure" driving was, they said it was driving from your home and back
> with, if needed, VERY SHORT stops such as to refuel.
>
> So I asked, "What if I go to Home Depot on a Saturday morning?"
> Answer...not covered.
> "What if I run to the cleaners?" Answer...not covered.
> "Can I drive it to work?" Answer...not covered.
> "Can I run weekend errands?" Answer...not covered.
>
> With that said, there are a lot of folks on this list that use these
> companies. You certainly can't beat the prices. However, when you
> drill down into the T&Cs, you are at risk, at least for the type of
> "pleasure" driving I do.
>
> I'm insured through my traditional insurance company.
>
> Regards,
>
> Bill
> Atlanta
> 74 TR6
>
>
>
> i just went to hagerty.com and was about to buy insurance (their rates
> are fantastic). it was so good i had to call and ask. turns out their
> insurance only covers your vehicle for pleasure driving only. you
> cannot drive your car to work and back (which i do, a whole 0.9 miles).
> your car may not be parked in a parking lot at any time. while at home
> it must be parked in a locked garage. you cannot leave your car in your
> own driveway. no wonder the insurance is so cheap. did those of you
> who insure with hagerty know this ??? what about other co's ? else i
> will have to renew my compulsory only with farmers for $550 year :(((
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