Re: Classic Car Insurance ...are they nuts?

["Todd Wallis" <cyclone@xxxxxxxxxxxxx>]

John-

You never mentioned which company it is.

I have American Collectors Insurance.  USAA soaked me for years until I 
asked them about classic/collector car insurance and they referred me to 
these people.

The rates are good  (about $125/yr)  and they have a good rep but the 
restrictions are a bummer.  They were at least up-front about their 
expectations and yes I had to provide both a photo of the inside of the gas 
tank AND one of the back of the dash board!

Todd Wallis
70 Rebel Machine
71 Cyclone
73 Javelin


----- Original Message ----- 
From: "John W Rosa" <JohnRosa@xxxxxxxxxxxxxx>
To: "AMC List" <mail@xxxxxxxxxxxx>
Sent: Friday, October 15, 2004 3:57 PM
Subject: Classic Car Insurance ...are they nuts?


> Hey Doc.....this is getting like your mechanical
> issues!!
>
>
>
> Soooooo........After looking at a bunch of different
> 'Collector Car' insurers, I chose one because they
> had an online price quote system, had no mileage
> limit, and were based one state west of here...
> among other reasons that just about all the other
> insurers also had.
>
> The online quote stated $65/year for my new Hornet.
> I requested an application, then received it by mail.
> It specified a $100 premium, with no explanation for
> the increase over the online rate.
>
> I returned it filled out with my check for $100 and
> the required 2 clear photos of the car. A week later,
> I receive a notice of denial for these three reasons:
>
> 1- 'Youthful endorsement not filled out'
> [This form indicated it applied to households that
> HAVE drivers under the age of 25, which mine does
> not, so I had returned it marked 'Not Applicable']
>
> 2- 'Mileage appears unrealistic for a collector vehicle'
> [The application asked how many miles I intended to
> drive it annually. Since their website stated they
> had no mileage limit, I had simply said 5000 miles to
> give myself LOTS of leeway if the car ever did make a
> long run or two to cross-country shows...but if they
> have no limit, what the heck is the problem?]
>
> 3- 'Vehicle does not appear garaged'
> [They asked for 2 photos of the CAR, not of the GARAGE!
> Was I supposed to put it inside, close the door and take
> two shots of the car through the freakin' window???]
>
>
> I fired off a hastily written and not-very-friendly Email
> to them early this week. I got no response until today
> when in my regular mail was the same form, now marked
> 'pending approval'. Now they want:
>
> 1- 'Garage photo required'
> [...as if that's proof I'll keep it in there. Silly.]
>
> 2- 'Photos of vehicle interior and engine'
> [..and maybe one of the inside of the gas tank?]
>
> 3- 'Signed and Notarized Youthful Endorsement form'
> [..despite no such folks living here]
>
> 4- 'Payment required in the amount of $100'
> [I'm sending the very same damn check I sent the first time]
>
> No where did they bother to waste any words apologizing
> or explaining the previous denial. I guess I'm supposed
> to feel honored enough that they've reconsidered.
>
>
> John W Rosa
>
> http://www.JavelinAMX.com