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<p class="MsoNormal">Unfortunately, the reality is that insurance is only good when you don’t need it.
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<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal">Jean</p>
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<p class="MsoNormal">Sent from <a href="https://go.microsoft.com/fwlink/?LinkId=550986">
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<p class="MsoNormal" style="border:none;padding:0cm"><b>From: </b><a href="mailto:gonnagitcha90@hotmail.com">Richard Collins</a><br>
<b>Sent: </b>December 22, 2019 6:31 PM<br>
<b>To: </b><a href="mailto:rrengineer.mike@att.net">Michael MacLean</a><br>
<b>Cc: </b><a href="mailto:healeys@autox.team.net">Healeys</a><br>
<b>Subject: </b>Re: [Healeys] Off Reservation</p>
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<p class="MsoNormal">Buyer beware with all insurance on classic/exotic cars as mileage is only part of their limitations.
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<p class="MsoNormal">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<br>
Stepping off the soap box , caveat emptor: READ THE FINE PRINT !<o:p></o:p></p>
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<p class="MsoNormal">Regards, <o:p></o:p></p>
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<p class="MsoNormal">Richard C<o:p></o:p></p>
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<p class="MsoNormal" style="margin-bottom:12.0pt">On Dec 22, 2019, at 16:28, Michael MacLean <rrengineer.mike@att.net> wrote:<o:p></o:p></p>
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<p class="MsoNormal"><span style="font-size:12.0pt;font-family:"Times New Roman",serif">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.<o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-size:12.0pt;font-family:"Times New Roman",serif">Mike MacLean<o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-size:10.0pt;font-family:"Helvetica",sans-serif;color:#26282A">On Sunday, December 22, 2019, 2:23:38 PM PST, Len and/or Marge Hartnett <thehartnetts@earthlink.net> wrote:
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<p class="MsoNormal"><span style="font-size:10.0pt;font-family:"Helvetica",sans-serif;color:#26282A">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.<o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:#26282A">----- Original Message -----
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<p class="MsoNormal" style="background:#E4E4E4"><b><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:#26282A">From:</span></b><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:#26282A">
<a href="mailto:rrengineer.mike@att.net" target="_blank" title="rrengineer.mike@att.net">
Michael MacLean</a> <o:p></o:p></span></p>
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<p class="MsoNormal"><b><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:#26282A">To:</span></b><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:#26282A">
<a href="mailto:ynotink@msn.com" target="_blank" title="ynotink@msn.com">WILLIAM B LAWRENCE</a> ;
<a href="mailto:healeys@autox.team.net" target="_blank" title="healeys@autox.team.net">
Healeys</a> <o:p></o:p></span></p>
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<p class="MsoNormal"><b><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:#26282A">Sent:</span></b><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:#26282A"> Sunday, December 22, 2019 10:06 AM<o:p></o:p></span></p>
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<p class="MsoNormal"><b><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:#26282A">Subject:</span></b><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:#26282A"> Re: [Healeys] Off Reservation<o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-size:12.0pt;font-family:"Times New Roman",serif;color:#26282A">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.<o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-size:12.0pt;font-family:"Times New Roman",serif;color:#26282A">Mike M<o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-size:10.0pt;font-family:"Helvetica",sans-serif;color:#26282A">On Saturday, December 21, 2019, 11:20:20 PM PST, WILLIAM B LAWRENCE <<a href="mailto:ynotink@msn.com" target="_blank">ynotink@msn.com</a>> wrote:
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<p class="MsoNormal"><span style="font-size:12.0pt;color:black">I'm not sure any of these companies will insure a car unless it is garaged.</span><span style="font-size:12.0pt;color:black"><o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-size:12.0pt;color:black"><o:p> </o:p></span></p>
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<p class="MsoNormal"><span style="font-size:12.0pt;color:black">Bill Lawrence<o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-size:12.0pt;color:black">BN1 #554<o:p></o:p></span></p>
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<p class="MsoNormal"><b><span style="color:black">From:</span></b><span style="color:black"> Healeys <<a href="mailto:healeys-bounces@autox.team.net" target="_blank">healeys-bounces@autox.team.net</a>> on behalf of Michael MacLean <rrengineer.mike@att.net><br>
<b>Sent:</b> Saturday, December 21, 2019 1:49 AM<br>
<b>To:</b> ronfineesq@earthlink.net <ronfineesq@earthlink.net>; Healeys <healeys@autox.team.net><br>
<b>Subject:</b> Re: [Healeys] Off Reservation</span><span style="font-size:10.0pt;font-family:"Helvetica",sans-serif;color:#26282A">
<o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-size:10.0pt;font-family:"Helvetica",sans-serif;color:#26282A">Same conditions for JC Taylor.
<o:p></o:p></span></p>
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<p class="MsoNormal" style="margin-bottom:12.0pt"><span style="font-size:10.0pt;font-family:"Helvetica",sans-serif;color:#26282A">Mike M<o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-size:10.0pt;font-family:"Helvetica",sans-serif;color:#26282A"><a href="https://eur03.safelinks.protection.outlook.com/?url=https%3A%2F%2Fgo.onelink.me%2F107872968%3Fpid%3DInProduct%26c%3DGlobal_Internal_YGrowth_AndroidEmailSig__AndroidUsers%26af_wl%3Dym%26af_sub1%3DInternal%26af_sub2%3DGlobal_YGrowth%26af_sub3%3DEmailSignature&data=02%7C01%7C%7Cd23b81ac06064b77353008d7873f6645%7C84df9e7fe9f640afb435aaaaaaaaaaaa%7C1%7C0%7C637126578682144508&sdata=kqmBMwCP2QvyUW%2FuJLzDIrKlsLNWLIubVoUBdPMDRZY%3D&reserved=0" target="_blank">Sent
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<p class="MsoNormal"><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:#6D00F6">On Fri, Dec 20, 2019 at 2:29 PM, Ron Fine<o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:#6D00F6"><ronfineesq@earthlink.net> wrote:<o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:black">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.
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<p class="MsoNormal"><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:black">Ron Fine<o:p></o:p></span></p>
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<p class="MsoNormal" style="background:whitesmoke"><b><span style="font-size:10.0pt;font-family:"Tahoma",sans-serif;color:black">From:</span></b><span style="font-size:10.0pt;font-family:"Tahoma",sans-serif;color:black"> Michael MacLean
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<p class="MsoNormal" style="background:whitesmoke"><b><span style="font-size:10.0pt;font-family:"Tahoma",sans-serif;color:black">Sent:</span></b><span style="font-size:10.0pt;font-family:"Tahoma",sans-serif;color:black"> Friday, December 20, 2019 11:25 AM<o:p></o:p></span></p>
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<p class="MsoNormal" style="background:whitesmoke"><b><span style="font-size:10.0pt;font-family:"Tahoma",sans-serif;color:black">To:</span></b><span style="font-size:10.0pt;font-family:"Tahoma",sans-serif;color:black"> 'Bob England' ; 'Healeys' ; Bruce Steele
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<p class="MsoNormal" style="background:whitesmoke"><b><span style="font-size:10.0pt;font-family:"Tahoma",sans-serif;color:black">Subject:</span></b><span style="font-size:10.0pt;font-family:"Tahoma",sans-serif;color:black"> Re: [Healeys] Off Reservation<o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-size:12.0pt;font-family:"Times New Roman",serif;color:black">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.<o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-size:12.0pt;font-family:"Times New Roman",serif;color:black">Mike MacLean<o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-size:10.0pt;font-family:"Helvetica",sans-serif;color:#26282A">On Friday, December 20, 2019, 11:11:52 AM PST, Bruce Steele <healeybruce@roadrunner.com> wrote:
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<p class="yiv3451689208xyiv8312541888msonormal"><span style="font-size:10.0pt;font-family:"Helvetica",sans-serif;color:#26282A">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. <o:p></o:p></span></p>
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<p class="yiv3451689208xyiv8312541888msonormal"><span style="font-size:10.0pt;font-family:"Helvetica",sans-serif;color:#26282A">Bruce Steele<o:p></o:p></span></p>
<p class="yiv3451689208xyiv8312541888msonormal"><span style="font-size:10.0pt;font-family:"Helvetica",sans-serif;color:#26282A">Brea, CA<o:p></o:p></span></p>
<p class="yiv3451689208xyiv8312541888msonormal"><span style="font-size:10.0pt;font-family:"Helvetica",sans-serif;color:#26282A">1960 BN7<o:p></o:p></span></p>
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<p class="yiv3451689208xyiv8312541888msonormal"><span style="font-size:10.0pt;font-family:"Helvetica",sans-serif;color:#26282A"> <o:p></o:p></span></p>
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<p class="yiv3451689208xyiv8312541888msonormal"><b><span style="font-family:"Helvetica",sans-serif;color:#26282A">From:</span></b><span style="font-family:"Helvetica",sans-serif;color:#26282A"> Healeys [mailto:healeys-bounces@autox.team.net]
<b>On Behalf Of </b>Bob England<br>
<b>Sent:</b> Friday, December 20, 2019 5:38 AM<br>
<b>To:</b> rrengineer.mike@att.net; 'Healeys' <healeys@autox.team.net><br>
<b>Subject:</b> Re: [Healeys] Off Reservation</span><span style="font-size:10.0pt;font-family:"Helvetica",sans-serif;color:#26282A"><o:p></o:p></span></p>
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<p class="yiv3451689208xyiv8312541888msonormal"><span style="font-size:10.0pt;font-family:"Helvetica",sans-serif;color:#26282A"> <o:p></o:p></span></p>
<p class="yiv3451689208xyiv8312541888msonormal"><span style="font-family:"Helvetica",sans-serif;color:#26282A">Good Morning Mike</span><span style="font-size:10.0pt;font-family:"Helvetica",sans-serif;color:#26282A"><o:p></o:p></span></p>
<p class="yiv3451689208xyiv8312541888msonormal"><span style="font-size:10.0pt;font-family:"Helvetica",sans-serif;color:#26282A"> <o:p></o:p></span></p>
<p class="yiv3451689208xyiv8312541888msonormal"><span style="font-family:"Helvetica",sans-serif;color:#26282A">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.</span><span style="font-size:10.0pt;font-family:"Helvetica",sans-serif;color:#26282A"><o:p></o:p></span></p>
<p class="yiv3451689208xyiv8312541888msonormal"><span style="font-size:10.0pt;font-family:"Helvetica",sans-serif;color:#26282A"> <o:p></o:p></span></p>
<p class="yiv3451689208xyiv8312541888msonormal"><span style="font-family:"Helvetica",sans-serif;color:#26282A">Bob</span><span style="font-size:10.0pt;font-family:"Helvetica",sans-serif;color:#26282A"><o:p></o:p></span></p>
<p class="yiv3451689208xyiv8312541888msonormal"><span style="font-family:"Helvetica",sans-serif;color:#26282A">’65 BJ8</span><span style="font-size:10.0pt;font-family:"Helvetica",sans-serif;color:#26282A"><o:p></o:p></span></p>
<p class="yiv3451689208xyiv8312541888msonormal"><span style="font-size:10.0pt;font-family:"Helvetica",sans-serif;color:#26282A"> <o:p></o:p></span></p>
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<p class="yiv3451689208xyiv8312541888msonormal"><b><span style="font-size:10.0pt;font-family:"Helvetica",sans-serif;color:#26282A">From:</span></b><span style="font-size:10.0pt;font-family:"Helvetica",sans-serif;color:#26282A"> Healeys [mailto:healeys-bounces@autox.team.net]
<b>On Behalf Of </b>Michael MacLean<br>
<b>Sent:</b> December 19, 2019 8:48 PM<br>
<b>To:</b> Healeys<br>
<b>Subject:</b> [Healeys] Off Reservation<o:p></o:p></span></p>
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<p class="yiv3451689208xyiv8312541888msonormal"><span style="font-size:10.0pt;font-family:"Helvetica",sans-serif;color:#26282A"> <o:p></o:p></span></p>
<p class="yiv3451689208xyiv8312541888msonormal"><span style="font-size:10.0pt;font-family:"Helvetica",sans-serif;color:#26282A"> 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.
<o:p></o:p></span></p>
<div id="yiv3451689208x_yiv8312541888yMail_cursorElementTracker_1576809830719">
<p class="yiv3451689208xyiv8312541888msonormal"><span style="font-size:10.0pt;font-family:"Helvetica",sans-serif;color:#26282A"> 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?<o:p></o:p></span></p>
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<p class="yiv3451689208xyiv8312541888msonormal"><span style="font-size:10.0pt;font-family:"Helvetica",sans-serif;color:#26282A"> Don't worry, still have the Bugeye and the BN2. That won't change<o:p></o:p></span></p>
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<p class="yiv3451689208xyiv8312541888msonormal" style="margin-bottom:12.0pt"><span style="font-size:10.0pt;font-family:"Helvetica",sans-serif;color:#26282A">Mike MacLean<o:p></o:p></span></p>
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