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

[ortfamily@xxxxxxx]

I checked classic car insurance from a number of vendors. They all had a form to sign stating that the car will be used to go to shows and an occasional nice day drive. Specifically stated not for driving to work or errands. I can live with the work thing, but I run errands with mine all the time. I suppose if you have a claim in Walmart parking lot, they can deny and cancel you. I called my regular insurer and they offered a "restricted use" policy, at about 40 percent of the regular price. The only restriction is that it cannot be my only car.

Tom
68 Rogue Hardtop
67 Rogue Convertible
66 Jeep CJ3B
68 American parts car
76 Matador parts car
86 S10 w/327

On October 16, 2004 Rick Ferron wrote:

> You've got to ask yourself; is this a company that will treat you right if
> you ever have to make a claim? I'd be wary....
> 
> Rick Ferron
> Niagara Falls Canada
> 
> 
> ----- Original Message -----
> From: "John W Rosa" <JohnRosa@xxxxxxxxxxxxxx>
> To: "AMC List" <mail@xxxxxxxxxxxx>
> Sent: Friday, October 15, 2004 4:57 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
> >
> >
> >
> 
> 
> 
> 
> 
> .


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