[urq] Collector Car Insurance

[Ingo Rautenberg]

Brandon,

That sounds pretty reasonable to me. It is after all a collectible  
car. As an insurer, I wouldn't be too keen on you strapping your bike  
onto the car either. :-)

- Ingo

On Sep 8, 2008, at 12:51 PM, "Brandon Rogers" <brogers at terrix.com>  
wrote:

> 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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