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Insurance carrier recommendation?


Adambravo
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Purchased a '63 Riviera last fall, and it's been in a garage (that I'm renting) almost all the time since then. At the time, I was insuring my other classic (a '72 Austin Mini) through Hagerty. However, Hagerty won't insure the Riv as it will not be garaged fulltime; during nice weather, I'll be swapping it out with my Pontiac Solstice for about two weeks at a time, and it will be in my driveway.

I've got a AAA policy on it at the moment, but thought I'd canvas the group for recommendations on the best way to insure this given the circumstances.

Thanks in advance,

Adam

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  • 4 weeks later...

Adam -

From the perspective of an insurance company that specializes in collector car coverage - your Buick won't qualify for collector rates for two reasons: a) since you intend to use it much more regularly than intended under a collector program (based on the fact that it will be your daily driver on and off throughout the summer), and B) it is not 100% garage kept.

The reason collector car rates are so low is because the insurance company assumes the car isn't used that much (which is why many companies have annual mileage limits), and that it will be garage stored (where it can't get hit by hail, a falling tree branch, and has a lower likelihood of theft).

That isn't to say you can't talk an agent/underwriter into it, just know that you've got a pretty steep hill to climb. Jim

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Jim--Thanks for the info. However, I should have clarified that neither the Riviera (nor the Solstice) would be daily drivers. I have a company car for that particular task, and both vehicles are nice-weather-only leisure vehicles (and I have all-weather covers for both). Although the Solstice is not 'collectible', it is insured as a leisure, as I don't put very many miles on it.

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Ah, this is indeed a very different exposure. The company will always assume the worst (it's what we get paid to do), but when you elaborate a bit, then the risk is not so bad.

Paul K is correct - you should push back on Hagerty by mentioning that the car is protected while outdoors, isn't parked under trees/ect., and won't be your regular use car. If that doesn't work, call another specialist company. Jim

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Alex -

I'm curious - what is it about your current program that is letting you down?

While my company competes head-to-head with Hagerty (we would be happy to speak with you - (866)CAR-9648), I generally hear good things about their service.

If that's not been the case with you, I'd like to know (so that I can take advantage of it and take business away from them!!).

Jim

www.chubbcollectorcar.com

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