does anyone have collector insurance that allows you to tow a trailer?


or maybe regular insurance, with an agreed value, that will allow you to tow?

I tried most of the common collector insurance and they all say no.


maybe someone knows what regular insurance is easy to work with getting agreed value?

 

Interesting question. I wonder if Hagerty or similar would allow towing a "nostalgia" trailer (like a teardrop) if they wrote a separate policy on it, and it was only for taking the trailer to allowed events?

 

Standard vehicle insurance (non-collector) is pretty much the only that allows towing a trailer. Your collector vehicle would have to be insured under a standard policy. You can also insure the trailer through the standard policy.

 

Never thought about it. I towed my 8N behind my F-2 a few years ago to a local power show. I didn't think about insurance but after I started out I wondered how in the world people used these trucks to pull anything way back when they were new. I could hardly keep up with traffic and barely made it up the coupld of hills I encountered.

 

My standard insurance always includes the trailer and/or on the liability. That is for damage caused to someone else's property, not mine. I'm pretty confident I can tow something and not damage it or the trailer. If you are hauling an expensive relic, the insurance on it should cover but that's up to individual carriers I guess.

 

Mines the same as willowbilly3

 

I have hagerty and I asked this specific question (I have an interest in getting a vintage teardrop airstream or a slightly newer airstream that looks vintage). And hagerty's answer flat out across the board was you tow means no insurance.

They also said flat out across the board no commercial use, etc etc - basically what they have in writing at the front (no tow, no commercial, etc) they stand by even if you insure the whole package with them.

I have Geico on my regular wheels, and I tried to get geico to insure it for things hagerty wouldn't (i.e. tow) and geico's flat out across the board was we insure anything you have with the required for colorado, when you purchase a new, or first register UNLESS it has insurance of any kind through another carrier. As soon as you put a hagerty policy on, geico covers nothing what-so-ever.

So not that I am going to go around broadcasting my activities or doing it regularly, but when I tow I am uninsured.

 

As I recall, GEICO won't insure old cars/trucks anyway, at least not with collision coverage. I used to have Allstate on my truck and they covered it the same as any other truck, but they won't do stated value.

 

GEICO did insure my F5 with full collision coverage (not agreed upon value) for a short time before putting it on my Hagerty policy. I did this because Hagerty wouldn't isnsure it until it was under cover.

 

Worked with my State Farm agent and got to a stated value full coverage policy for about $200 / year with the ability to suspend coverage during months of non-use (think snowy weather time).

DW

 

I'm going round-n-round with my SF agent. Is your truck covered under their "antique or classic motor vehicle" classification?

 

Keep in mind that every state's insurance policy has different regulations. So, what is acceptable coverage in one state is not available in another.

 

Do you suspend just liability? I have my trucks insure for agreed upon value, I think the F-2 is $6000 and the panel is $7000. I keep full coverage all year round. I have all three in a pole building in the back of the farm. I've had a building collapse once and had some cows trapped for a while. The pole building I have the trucks in is relatively new, about 20 years old, but like year round coverage just for piece of mind.

 

Yes. I have three vehicles (which includes my '56 that is apart) that the liability is suspended on, but the comprehensive is intact. So if they are stolen or damaged in a fire they are covered. However I dare not take them on the road. Unless, of course, on the back of a trailer.

 

Actually no. We started down that path and found it to be too expensive. Rather, we ended up with a limited mileage policy with a stated value assignment.

Panelman is correct. Insurance is regulated at the state level and variations are the norm. Having said that, I would expect that most of these policies are covered through re-insurance agreements. There may be some hope.

Good luck.

DW