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About GazGuzlingPower

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  1. Hagerty will not insure a car for fire, theft, vandalism, hail, flood, tree falling that is not stored in a locked garage. The big regular car insurance companies (GEICO, Progressive, etc.) are happy to insure an unregistered classic that is stored outdoors (after all they have to insure cars in many states before the person goes to the DMV to get it registered), but they don't have a storage-only policy, so you're stuck paying for a premium based on the incorrect assumption that the car will be driven to some degree in order to get in covered against a tree falling on it. In other words, comprehensive coverage, which is extremely expensive. It is not possible for me to have a garage or to store the car inside, and it will be a few years before the car is roadworthy so I would have to pay a couple thousand dollars a year on insurance that covers a much greater risk than my actual risk (since I am not going to drive it, and driving is of course the greatest risk), so the question is this: Is there an insurance company that will insure an unregistered classic car against vandalism, hail, fire, tree falling, etc. (all forms of non-driving related damage) without getting full comprehensive coverage which unnecessarily and expensively covers driving?