Insuring our trucks ?
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FTE fan
Joined: Dec 2006
Posts: 3,674
Likes: 11
From: paradise, northern calif.
Insuring our trucks ?
Over the years I have only seen insurance for our trucks mentioned briefly, please forgive me if I've just missed it. I have only carried liability mostly because I know nothing of the in's and out's of vintage truck insurance, cost, what they cover or don't etc.. I would be interested to learn more on this subject if anyone has anything to share. Thank you in advance for any information, and or comments.
Hotshot
Joined: Jan 2001
Posts: 16,882
Likes: 3,126
From: SE Wisc. (the Rust Belt)
I have mine insured with my overall insurer, American Family. They started offering classic auto insurance a few years ago. I full replacement value with full coverage, like my daily driver, even towing insurance. I've never had to make a claim with either of my trucks but I've made claim on other cars and house and American Family always came through.
Laughing Gas
Joined: Jun 2007
Posts: 815
Likes: 29
From: Richland, WA.
Jimmy how are you? I hope you get more than liability soon. I recently switched from Safeco to state farm due to son getting a dangerous dog. Did you know some homowners insurance doesn't cover large dogs they will cancel you? if you have a large breed dog check with them. Back to question, Safeco covered limited mileage had towing up to 15 miles one way was full coverage and had 54 ford totaled value at $23000. $382 every six months. State farm is more restrictive on mileage but much less at $82 every six. I did price check with progressive, gieko and hagarty. Best coverage and lowest price I the order posted. Lowest price was just over $200 every six. Due to disability I must use the cheapest right now but when I can drive I will change to one of them.
Senior User
Joined: Jul 2012
Posts: 150
Likes: 2
From: Kansas City, MO
I have mine insured with my overall insurer, American Family. They started offering classic auto insurance a few years ago. I full replacement value with full coverage, like my daily driver, even towing insurance. I've never had to make a claim with either of my trucks but I've made claim on other cars and house and American Family always came through.
Logistics Pro
Joined: Jun 2011
Posts: 4,995
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From: u-rah-rah Wisconsin
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Fleet Owner
Joined: Jul 2004
Posts: 27,294
Likes: 1,055
From: NM
If you drive your car for other than pleasure (like to the hardware store or on other errands, or to work occasionally) the classic car companies (Hagerty, Grundy) are not going to cover it. By all means get more than liability! At least get Comprehensive for theft coverage.
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FTE Chapter Leader
Joined: Dec 2001
Posts: 3,636
Likes: 11
From: Crossville, Tn
I added Edith to my other policies at State Farm. $100k/300k liability along with $15K collision ($250 deduct) & Comp ($100 deduct) along with towing, uninsured coverage and medical for $130 a year.
Fleet Owner
Joined: Jul 2004
Posts: 27,294
Likes: 1,055
From: NM
Why do you say that? I have Hagerty and the policy is very explicit. Pleasure use only. Using it for errands is not considered "pleasure".
Tuned
Joined: Oct 2011
Posts: 445
Likes: 3
Fleet Mechanic
Joined: Sep 2002
Posts: 1,622
Likes: 3
From: okla
My Grundy policy does not specify what pleasure driving is. They do not expect you to drive it like your daily driver, but they do not state that you can't include a stop at the hardware store during a pleasure drive. I have two friends who both have had a claim with them. One while we were in South Dakota and hit a deer [Hagerty paid in two weeks] and one rear ended in traffic while just out driving in the city [Grundy paid quickly] in neither case were they asked what they were doing and did it qualify as pleasure. I am no expert in insurance for sure, bit I did ask my State Farm agent, that has reg cars and house, to look at Grundy and see if he could compete. He said no way. I have heard others talk about claim problems with the normal insurers, but I have never heard that about Grundy or Hagerty. I'll stick with them thanks.
Lead Driver
Joined: Dec 2012
Posts: 9,717
Likes: 823
From: Wentzville, MO
This is from Hagerty's website:
"Freedom to enjoy your car
We believe cars are made to be driven. So our policy allows limited pleasure use with no fixed mileage limits. Whether it's a drive on a gorgeous summer day, a trip to the ice cream shop, attending club events or going to shows, you're covered. If you have specific questions about usage, especially if you own a newer vehicle (generally 1990 and newer), we're happy to discuss them with you."
"Freedom to enjoy your car
We believe cars are made to be driven. So our policy allows limited pleasure use with no fixed mileage limits. Whether it's a drive on a gorgeous summer day, a trip to the ice cream shop, attending club events or going to shows, you're covered. If you have specific questions about usage, especially if you own a newer vehicle (generally 1990 and newer), we're happy to discuss them with you."
Lead Driver
Joined: Jul 2011
Posts: 6,599
Likes: 34
From: Rockingham, VA
My Hagerty's Classic Automobile policy shows three types of vehicles:
Antique, Classic and Regular Use.
"Antique vehicle" means a motor vehicle 25 years or more of age that:
1. Is maintained primarily for use in car club activities, exhibitions, parades, other functions of public interest or for a private collection; and
2. Is used only infrequently for other purposes.
"Classic vehicle" means a motor vehicle of unique or rare design and of limited production that is an object of curiosity and:
1. Is maintained primarily for use in car club activities, exhibitions, parades, other functions of public interest or for a private collection; and
2. Is used only infrequently for other purposes.
"Regular use vehicle" neans a motor vehicle which is used for regular driving to work, school, shopping, errands or for general transportation and is not an "antique vehicle" or "classic vehicle".
Antique, Classic and Regular Use.
"Antique vehicle" means a motor vehicle 25 years or more of age that:
1. Is maintained primarily for use in car club activities, exhibitions, parades, other functions of public interest or for a private collection; and
2. Is used only infrequently for other purposes.
"Classic vehicle" means a motor vehicle of unique or rare design and of limited production that is an object of curiosity and:
1. Is maintained primarily for use in car club activities, exhibitions, parades, other functions of public interest or for a private collection; and
2. Is used only infrequently for other purposes.
"Regular use vehicle" neans a motor vehicle which is used for regular driving to work, school, shopping, errands or for general transportation and is not an "antique vehicle" or "classic vehicle".