[Healeys] Off Reservation

Sun Dec 22 17:30:48 MST 2019

Buyer beware with all insurance on classic/exotic cars as mileage is only part of their limitations.
I was a long time user of Leland West. I had a new purchase, had the agreed value, etc and submitted the usual pix of the car in its secure facilities ( my garage). I got a cancellation notice of my entire policy when they saw in one of my photos of one several cars on the 4 post lift in my garage. They would only insure me going forward if I wrote a limitation of liability re any claim which involved my lift. That was on top of all the other limitations of liability they had and going thru the hassle of filling in a questionnaire every 6 months tracking my mileage. So I did draft the waiver for them and immediately sought and found another underwriter to cover my cars and dropped LeLand like a hot potato. I think they have since changed owners or whatever but I never had a claim etc. it’s typical insurance that if there is a risk they either won’t cover it or want exorbitant premiums
Stepping off the soap box , caveat emptor: READ THE FINE PRINT !
Regards,
Richard C

On Dec 22, 2019, at 16:28, Michael MacLean <rrengineer.mike at att.net> wrote:

Not to keep this going, but JC Taylor only mentions another regular use car.  I also asked them who could drive it.  They said occasionally anyone with my permission.
Mike MacLean

On Sunday, December 22, 2019, 2:23:38 PM PST, Len and/or Marge Hartnett <thehartnetts at earthlink.net> wrote:

I stand corrected if I mis-spoke. Mike is possibly correct when he says, "...a regular commuter car...". One extra may be all that is needed.

Len

----- Original Message -----
From: Michael MacLean<mailto:rrengineer.mike at att.net>
To: WILLIAM B LAWRENCE<mailto:ynotink at msn.com> ; Healeys<mailto:healeys at autox.team.net>
Sent: Sunday, December 22, 2019 10:06 AM
Subject: Re: [Healeys] Off Reservation

That is true Bill.  JC Taylor requires it being garaged and you own a regular commuter car, and limited to approximately 4000 miles a year.
Mike M

On Saturday, December 21, 2019, 11:20:20 PM PST, WILLIAM B LAWRENCE <ynotink at msn.com<mailto:ynotink at msn.com>> wrote:

I'm not sure any of these companies will insure a car unless it is garaged.

Bill Lawrence
BN1 #554
________________________________
From: Healeys <healeys-bounces at autox.team.net<mailto:healeys-bounces at autox.team.net>> on behalf of Michael MacLean <rrengineer.mike at att.net>
Sent: Saturday, December 21, 2019 1:49 AM
To: ronfineesq at earthlink.net <ronfineesq at earthlink.net>; Healeys <healeys at autox.team.net>
Subject: Re: [Healeys] Off Reservation

Same conditions for JC Taylor.
Mike M

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On Fri, Dec 20, 2019 at 2:29 PM, Ron Fine
<ronfineesq at earthlink.net> wrote:
I don’t know about JC Taylor, but Hagerty (on my Healey) has an “agreed value” policy which pays the agreed value in the event of a total loss. You don’t have to argue with them what your car is worth.  If it’s a total, you get the value you paid for with the insurance.

Ron Fine

From: Michael MacLean
Sent: Friday, December 20, 2019 11:25 AM
To: 'Bob England' ; 'Healeys' ; Bruce Steele
Subject: Re: [Healeys] Off Reservation

OK, I will check out California Car Covers.. Seems to be a consensus there.  I just got off the phone with both Hagerty and my present insurance provider for my Bugeye, JC Taylor.  Hagerty wanted $147 per year full coverage.  I gave them a value of $6000.  Just what I am paying for the car.  To add it to my present policy with JC Taylor is an additional $67 per year.  Kind of a no brainer.  Although JC Taylor has a 4000 mile per year limit it should not be a problem.  My Bugeye is lucky to get 500 miles per year these days.  Splitting the mileage between the two should keep it under anyway.
Mike MacLean

On Friday, December 20, 2019, 11:11:52 AM PST, Bruce Steele <healeybruce at roadrunner.com> wrote:

My Hagerty policy does not have a mileage limitation, and the only limitation is not racing it.  As for car covers, I like California Car Cover.  Wide selection of choices for indoor and outdoor protection.

Bruce Steele

Brea, CA

1960 BN7

From: Healeys [mailto:healeys-bounces at autox.team.net] On Behalf Of Bob England
Sent: Friday, December 20, 2019 5:38 AM
To: rrengineer.mike at att.net; 'Healeys' <healeys at autox.team.net>
Subject: Re: [Healeys] Off Reservation

Good Morning Mike

Some (most?) classic car insurance limits the amount of “daily driver” activities you can do with your classic car.  I’d check with your insurance broker as he/she should be able to provide you with some good advice on which way to go.

Bob

’65 BJ8

From: Healeys [mailto:healeys-bounces at autox.team.net] On Behalf Of Michael MacLean
Sent: December 19, 2019 8:48 PM
To: Healeys
Subject: [Healeys] Off Reservation

     Going off the reservation a bit.  This Saturday I am picking up a 1969 MGB GT from a local British car mechanic.  Only two problems with it are a 2018 registration and a weak battery.  The engine has a Weber side draft carb, wire wheels, good paint and no radio.  I wanted something I could lock up when I go in the store.  At least I can drive it over the winter months.

     What kind of insurance should I get for this car?  Classic car insurance?  Regular insurance will just insure it as an old car.  I don't have room for it in my garage.  What's a good car cover?

     Don't worry, still have the Bugeye and the BN2.  That won't change

Mike MacLean

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