Hagertys Declined insuring my MR2

Hagertys decided they didn't want to cover my rallycross MR2. Looking on recommendations on where to try next. My regular insurance quoted 600 a year which is about 300 too much.

Try American Collectors Insurance, they seem to be a little more flexible than Hagerty's

I think you are delusional if you think that any insurance company will cover a race car.

Read the fine print in your policy, Im sure you will find something like no competition events or appearance thereof.

What you need is a non-owner policy and put the cars in someone else's name. or some other dodge....

i know in the drag race world theres insurance that even covers on track accidents. so it is possible to find its just going too make that 600 a year seem minor.

Actually, my insurance company knows exactly what the Targa Miata is and how it's used. We both understand that it's not covered on track or in competition. A dodge will only bite you in the ass when it comes time to use that insurance.

Hagerty isn't interested in competition cars unless they're the fossilized ones. Have you tried an independent broker yet?

Maniac0301 wrote: Hagertys decided they didn't want to cover my rallycross MR2. Looking on recommendations on where to try next. My regular insurance quoted 600 a year which is about 300 too much.

That's what State Farm is hitting me for on my Saab for less than 500 miles per year. We need to do some shopping...

Is Jones Brown a Canadian company, or worldwide? They will cover competition stuff everywhere but the track.

paranoid_android74 wrote:

Maniac0301 wrote: Hagertys decided they didn't want to cover my rallycross MR2. Looking on recommendations on where to try next. My regular insurance quoted 600 a year which is about 300 too much.

That's what State Farm is hitting me for on my Saab for less than 500 miles per year. We need to do some shopping...

The issue you have there is Michigan's unlimited liability law so INS companies are raping us claiming its to cover the cost of lifetime medical cover for injuries while refusing to open their books and come clean on what it actually costs them. If you're unfortunate enough to be hit by an uninsured drunk and need a life time medical assistance as a result you'll be glad for the raping!

Geico covers my RX-7, although IIRC it is something like $600 every six months.

Now that I don't really use it as my primary car anymore, and have a secured garage for it, I may try Hagerty. The garage thing was always the sticky wicket for me.

I don't expect any insurance to cover me on the course, but this is no different that someone who takes their primary vehicle to a rally cross event. They want coverage while driving to the event or taking the car to get milk or whatever. The fact that this is a 3rd vehicle shouldn't affect much. I expect the issue was the policy was too low value to risk the lifetime medical that Adrian mentions.

Did hagerty's drop your coverage you had with them or just not offer coverage?

I have to disagree about them not covering newer race cars. They covered my 95 Miata and have been incredible. I did have to call multiple times, the ticket seemed to be tell them it is modified and that it's used in competition, they have specific coverages for both.

Trust me it's worth one more call, they are INCREDIBLE. for why I love them so much read

best insurance ever

They wouldn't cover my Mini because my daily driver at the time (90 Miata) wasn't new enough. That was enough for me to never try insuring something through them again.

It is a new policy for a car that I've owned for a year but has been off the roads for 7 years. I told them I would be using it for autocross and rallycross. I was told that they won't offer coverage for any vehicle that is used in offroad competition. I explained the nature of rallycross it being similar to autocross but offroad. I had also filled in 5000 miles a year driving which I guess is too high but wasn't given an opportunity to go over or revise that figure. I did like the fact that they had an easy to use online system and the rates were very good. Maybe I'll give them a call back, I'm sure the mileage is much higher than my actual use would be but I definitely will be using the car for rallycross so if that is a deal breaker so be it.

JThw8 wrote: Try American Collectors Insurance, they seem to be a little more flexible than Hagerty's

Had my 95 gti insured with them for "stupid money" really great to deal with.

Yeah, 5000 miles a year is way more than collector car insurance is comfortable with. Anything more than 2000 miles a year is really pushing it.

Looks like you'll have to go with regular insurance.

Collector car insurance is cheap because their exposure is low. Trailer queens, show cars, etc. The customers they are looking for are fussy people who take pretty meticulous care of their cars, even if they put them on the track now and then.

That is NOT a description of rallycross car owners. You don't have to go out of your way to explain to them what rallycross is. They are very well aware, and they know that rallycross owners are not their kind of customer.

wow.. you guys get cheap insurance. My Disco costs me $145 a month.. and I am 45 with no accidents or tickets in 10 years

Adrian_Thompson wrote:

paranoid_android74 wrote:

Maniac0301 wrote: Hagertys decided they didn't want to cover my rallycross MR2. Looking on recommendations on where to try next. My regular insurance quoted 600 a year which is about 300 too much.

That's what State Farm is hitting me for on my Saab for less than 500 miles per year. We need to do some shopping...

The issue you have there is Michigan's unlimited liability law so INS companies are raping us claiming its to cover the cost of lifetime medical cover for injuries while refusing to open their books and come clean on what it actually costs them. If you're unfortunate enough to be hit by an uninsured drunk and need a life time medical assistance as a result you'll be glad for the raping!

Really! I didn't know this. Even with PL/PD? I called them twice to make sure they put the right coverage on it as it seemed awfully high.

Check out Grundy. I've been with them for about five years and have three cars and a motorcycle through them. No claims yet so can't comment on that end.

It would probably be a lot lower if you didn't have fire coverage. ;)

mad_machine wrote: wow.. you guys get cheap insurance. My Disco costs me $145 a month.. and I am 45 with no accidents or tickets in 10 years

Let me try to clear up some comments in this post. For reference, SWMBO contributed to the sidebar in the Focus article in the recent magazine. She is one of the largest classic/specialty car insurance agents in FL.

First, find an independent agent, don't rely on whomever picks up the 1-800 call. A local agent that understands the market will be able to guide you through the process. She is on a forum for independent agents, so if you have a specific location need, I might be able to find someone for you.

MI auto insurance is one of the worst in the country because of the unlimited medical pay for life. There is a separate line item surcharge on your auto bill to cover it. We have cars insured in both FL and MI so I've seen it first-hand. There are a couple of specialty insurance companies that flat won't write cars in MI because of it. Hagerty is king in MI for specialty cars.

For specialty car insurance, race cars are no problem. Not all companies will do it or do it consistently, so again find an independent agent that represents more than one company. SWMBO insures drag cars, autocross cars, pro touring cars, sprint cars and formula cars. Just understand that the car is covered for the trip to the track and in the paddock and no further than that.

There are not universal mileage restrictions. You'll pay more because there is more exposure from more miles, but she offers an unlimited mileage plan. She has a client with a 30's street rod that gets >10k miles per year doing Hot Rod Power Tour, Drag Week, and following Good Guys and other shows.

Where she runs into the biggest problem in the GRM world with insuring specialty cars is that there are classifications for "stock" and "modified." For the modified cars there is a $10k valuation minimum, and the pictures need to match that valuation. This is why it is hard to do a typical rallycross car for example. Cage and gutted interior? No problem. But unless it is pretty clean and presentable version of a car with some semblance of sporty intention, it's hard to make an argument for that valuation.

In reply to glueguy:

Thank you for that post.

Thanks Glueguy!

One more question, if you can indulge us. I have heavily modified street sedans (motor swaps) that are state-registered, tagged, insured, and used for track as well as highway driving (to get to the track). I don't carry collision on them, but I do absolutely need liability coverage to comply with state law and protect my meager assets if the unthinkable happens and I wind up hurting another driver on a public road. Do you have any views whether modifications affect liability-only?

Shouldn't that be a question for your insurance company?

mad_machine wrote: wow.. you guys get cheap insurance. My Disco costs me $145 a month.. and I am 45 with no accidents or tickets in 10 years

It's all about where you live.