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<DIV><STRONG>I think it makes a big difference on where you are located. I
pay State Farm $202 for a stated value, classic car policy. This is in
Vermont where the rates are more reasonable than a highly populated area.
For example I've been quoted prices from State Farm on another vehicle in both
Vermont and Florida. The Florida quote was almost double the VT
quote.</STRONG></DIV>
<DIV> </DIV>
<DIV>
<DIV>In a message dated 8/24/2015 5:26:41 P.M. Eastern Daylight Time,
tigers@autox.team.net writes:</DIV>
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<DIV dir=ltr>
<DIV>I had to get an appraiser's stated value in writing that cost me $275,
that valued the car at 52.5, the writer for Commerce said they would only
insure the car for 48 with a 500 deductible. If you want the freedom to use
the car it's gonna cost ya.</DIV>
<DIV> Jeff</DIV></DIV>
<DIV class=gmail_extra><BR>
<DIV class=gmail_quote>On Sun, Aug 23, 2015 at 6:50 PM, Stu via Tigers <SPAN
dir=ltr><<A title=mailto:tigers@autox.team.net
href="mailto:tigers@autox.team.net"
target=_blank>tigers@autox.team.net</A>></SPAN> wrote:<BR>
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<DIV dir=ltr>
<DIV class=gmail_default style="FONT-SIZE: small">I just went through this,
and Hagerty seemed a little more liberal than Grundy. Their use
restrictions mostly fit my use model. Occasional pleasure drives, car
shows, cruise nights, maybe to a family party to show off, rarely to work
(once in the last year and a half), all the family at home have their own
cars, no family under 25 who know how to drive a stick, evening or weekend
drives to try to track down that pesky problem, and so on. From what
their stuff says, these would be mostly OK.</DIV>
<DIV class=gmail_default style="FONT-SIZE: small"><BR></DIV>
<DIV class=gmail_default style="FONT-SIZE: small">Stu</DIV></DIV>
<DIV class=gmail_extra><BR>
<DIV class=gmail_quote>
<DIV>
<DIV class=h5>On Sun, Aug 23, 2015 at 6:22 PM, Jay Laifman via Tigers <SPAN
dir=ltr><<A title=mailto:tigers@autox.team.net
href="mailto:tigers@autox.team.net"
target=_blank>tigers@autox.team.net</A>></SPAN> wrote:<BR></DIV></DIV>
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<DIV>
<DIV class=h5>
<DIV dir=ltr>I have had the same issue - this is also for my early 911 and
912. There are a number of issues with all the classic car
policies. As you've noted, it can't be your daily driver. Not
only that, you have to have a car that is at least 15 years old for all
drivers in the house. My 2000 Boxster, which is still like new isn't
good enough. One company said I might be able to get a waiver of this
one. Some said there is no waiver.
<DIV><BR></DIV>
<DIV>Another issue is that no one under 25 can drive the car. So if
my son and I drive to a car show, he can't drive at all. I kind of
get it. But, life's too short not to enjoy these cars with my kids
here and now.</DIV>
<DIV><BR></DIV>
<DIV>Another issue is that you can use it to go to work once and a
while. But that is on a rare occasion when you are doing something
else. So if you want to drive it every Friday or a week here and
there, you won't be covered. That means NO coverage. Some of
them were really strict on this - like if you get in an accident on a
Wednesday morning at 7:00 am on your route to work, don't expect getting
coverage for the accident without a huge fight.</DIV>
<DIV><BR></DIV>
<DIV>One of the places, and I think it was Grundy's, I asked if I could
stop at a hardware store on the weekends. She gasped and recounted
how she saw a Ferrari parked at the far end of a Home Depot over the
weekend and thought to herself that she sure hopes she doesn't insure that
car! Geeze, really? Us car guys can't stop at a hardware store
and park at the far end? That's a show stopper for me. Note some
others said it was ok if it was part of a joy ride and not a weekend
errand drive.</DIV>
<DIV><BR></DIV>
<DIV>Believe me, I called EVERY ONE of the companies and asked them all
the same questions. They all basically gave the same answers.
Yes, you can get their insurance and figure they will never know.
And they may give half answers about how they cover various things.
But, if you really put them to specific questions, they don't give good
answers. </DIV>
<DIV><BR></DIV>
<DIV>I get it. They have to evaluate their risk and what they want
to insure. They want to insure parade cars and joy ride cars, and
will take the risk for a restaurant with your wife here and there.
That's not me, and never will be. </DIV>
<DIV><BR></DIV>
<DIV>I guess you can look at it another way too. I have not paid
more than $10k for any of my cars. So in one way, if something bad
happened, I would be out only $10k plus the expenses over the years.
I know, two of these cars are probably (definitely?) worth over $100k in
investment terms. So I could lose much more in paper. I don't
like looking at it this way, but it is a way to rationalize it.</DIV>
<DIV><BR></DIV>
<DIV>Right now, I do a lot of self insurance by being especially careful
where I park the cars, how long I am away from them, how well they are
locked up, etc. It's not perfect. But, I'd rather be
underinsured than have NO insurance because I have a classic policy and
I'm using it to actually drive.</DIV>
<DIV><BR></DIV>
<DIV>Jay</DIV>
<DIV><BR></DIV>
<DIV><BR></DIV>
<DIV><BR></DIV>
<DIV><BR></DIV></DIV>
<DIV class=gmail_extra><BR>
<DIV class=gmail_quote>On Sun, Aug 23, 2015 at 2:59 PM, genepadgett--- via
Tigers <SPAN dir=ltr><<A title=mailto:tigers@autox.team.net
href="mailto:tigers@autox.team.net"
target=_blank>tigers@autox.team.net</A>></SPAN> wrote:<BR>
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<DIV>
<DIV
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<DIV><BR></DIV>
<DIV><BR></DIV>
<DIV
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<DIV
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<DIV>I did not see this post to my own e-mail and am thinking that
somehow it did not go through. I am re-sending it in hopes that it
will go through this time. Confirmation of receipt from anyone on
the List would be appreciated.</DIV>
<DIV><BR></DIV>
<DIV>TIA, Gene</DIV>
<DIV><BR></DIV>
<HR>
<DIV
style="FONT-SIZE: 12pt; TEXT-DECORATION: none; FONT-FAMILY: Helvetica,Arial,sans-serif; FONT-WEIGHT: normal; COLOR: rgb(0,0,0); FONT-STYLE: normal"><B>From:
</B><A title=mailto:genepadgett@comcast.net
href="mailto:genepadgett@comcast.net"
target=_blank>genepadgett@comcast.net</A><BR><B>To: </B>"tigers" <<A
title=mailto:tigers@autox.team.net href="mailto:tigers@autox.team.net"
target=_blank>tigers@autox.team.net</A>><BR><B>Sent: </B>Friday,
August 21, 2015 12:28:53 PM<BR><B>Subject: </B>Driven Tger nsurance<BR>
<DIV><BR></DIV>
<DIV
style="FONT-SIZE: 12pt; FONT-FAMILY: Times New Roman; COLOR: rgb(0,0,0)">
<DIV>Hi All,</DIV>
<DIV><BR></DIV>
<DIV>With the recent jump in auction prices for our cars, I am wondering
what people like me who just enjoy driving their cars are doing for
insurance. I just got turned down by Grundy because the "vehicle
cannot be used as backup, primary or secondary transportation".
This dispite the fact both my wife and I have other cars which serve as
our regular daily driver vehicles.</DIV>
<DIV><BR></DIV>
<DIV>To me, being able to take the Tiger out when and where I want to go
is the essence of having and enjoying the car in the first place.
It is the journey not the destination that matters to me. I
bought the car new in 1967 and have never thought of it as a collectible
or investment. Still with the recent escalation in apparent
values, I do not want to be stupid about insurance.</DIV>
<DIV><BR></DIV>
<DIV>Anyone else on the List that might be of a similar mind as me and
own their Tiger for the enjoyment of driving it can bring? If so
what do you do for insurance?</DIV>
<DIV><BR></DIV>
<DIV>TIA,</DIV>
<DIV><BR></DIV>
<DIV>Gene</DIV>
<DIV><BR></DIV></DIV></DIV>
<DIV><BR></DIV></DIV></DIV>
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