Insurance

[TexYoung]

I have my '73 40 insured with a classic car insurance company but I am not really following the rules. They want it garage-kept which cant happen due to the fact that I have other classics in my garage. They also will cancel me if they find out I use it off-road.

I called my daily driver company-Safeco and got a quote and asked them if I had it off-road if they would pay for an accident. Opened my big mouth at the wrong time I guess. They said since I have planned off-road events that they would only give me liability insurance. I know a few agents from Farmers, Liberty Mutual and State Farm and they all told me the same thing. "Don't mention the off-road and they would insure it. However, if you file an off-road claim it will get paid and then you will probably be cancelled and your VIN# on the Insurance Industry black-list". I like to be upfront about things so I can keep relationships long-term.

Anyone's insurance company cover off-road claims without freaking out about it? Any agents out there that can comment?

Thanks much!

 

[Michael Hanson]

Hi, Right now I don't know what to do on insurance . The cruisers are getting more valuable and we use ours as daily drivers. I had horrible service from Farmers and State Farm has been unhelpful. This seems to be a topic on all other classic car sites as well. Mike

 

[TexYoung]

Hi, Right now I don't know what to do on insurance . The cruisers are getting more valuable and we use ours as daily drivers. I had horrible service from Farmers and State Farm has been unhelpful. This seems to be a topic on all other classic car sites as well. Mike

I just set it up with Liberty Mutual under a normal policy. I know the main problem is that they show its worth abut $5K, but I guess for me that is better than not being up-front with the classic car insurance company. We'll see how it goes.