[urq] Collector Car Insurance

[Brandon Rogers]

A little feedback for everybody.  I just called Haggerty.  It told them my
car (nice 1984 w/ 20V) was worth $20,000.  I told them I use it for pleasure
- run errands, drive to work every once in a while (I actually prolly drive
it to work ~50-60 times/per year (so quite a bit), pleasure drives with
friends, GTGs, and to the trails for mountain biking.  Garaged.  4000-5000
miles/yr.  Both wife and I have daily drivers.  She said my premium would be
$367/yr - but they don't like how I use the car and likely would not insure
it.  They had no problem with driving to work occasionally - it was the
other stuff - errands and putting a bike on it.   They are looking for cars
that are treated in a more collector-car way.  
 
HTH 
Brandon

-----Original Message-----
From: Mike Veglia [mailto:msvphoto at pacbell.net] 
Sent: Monday, September 08, 2008 10:05 AM
To: Brandon Rogers; ur-q @audifans
Subject: Re: [urq] Collector Car Insurance


I asked my insurance agent the same question when I changed the policy over.
His reply was something like, "they want to see you have another car to use
as a daily driver that is insured by a different carrier." The "usage" is
written as pleasure use, events, parades, etc. In other words pretty much
anything except daily driver. Occasional use for commuting and/or errands is
pretty much a given with "pleasure use" provided you can show you have
another vehicle and policy in force to take on the majority of risk. At
least that is how I understand it. They can't deny coverage in the scenario
you presented, but it is possible they might not renew the policy. Then
again, how would they ever know where you were driving to and from anyway?
Much more ambiguous than an odometer reading I think.

Mike Veglia


----- Original Message ----
From: Brandon Rogers <brogers at terrix.com>
To: Mike Veglia <msvphoto at pacbell.net>; "ur-q @audifans" <urq at audifans.com>
Sent: Monday, September 8, 2008 9:00:42 AM
Subject: RE: [urq] Collector Car Insurance

Hi Mike-
Any chance you could tell us more about "usage restrictions" - i.e. no
commuting.  Does that mean that you cannot drive your car to work
occasionally?  I.e. does this mean if I decided to drive the urq to work on
a nice fall day and got in a fender bender I'm not covered?  What if you
dive it to the office and then run some personal errands...  Thanks for any
more info.

Brandon
  

-----Original Message-----
From: urq-bounces at audifans.com [mailto:urq-bounces at audifans.com] On Behalf
Of Mike Veglia
Sent: Monday, September 08, 2008 9:42 AM
To: ur-q @audifans
Subject: Re: [urq] Collector Car Insurance


I was with JC Taylor for the first four years I owned my Ur-Q. There was a
mileage limitation, but they did not have a problem with doing stated value
coverage on an '83 Ur-Q. The premium was around $195. A year ago my
insurance agent changed over all their JC Taylor customers to Haggerty.
Because it was a global switch by the agency, Haggerty had no problem with
the same terms for around the same $ for the first year. The biggest
difference between the two I noticed right away is Haggerty has no mileage
limitation, just "usage" (meaning it can not be a commuter car). The big
surprise was upon renewal, the premium plummeted to around $130 a year!

Mike Veglia
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