I need to insure my datsun. I was in process of going through someone but after going as far as filling out everything and signing applications but someone has dropped the ball and i haven’t had a reply since may 20. I recently got a new state farm agent, who is aweome, but they will not stated value insure anything except stock. They require pics of everything and he said we could probably sneak through the flares and hood, but a sheetmetal interior with a cage is a no go.
i am currently sitting in limbo with no coverage on a car that i drive maybe 30 miles a year that mostly lives in a trailer or on a track.
Who should I contact? I hear there are more wallet friendly alternatives to hagerty, but if they’re going to service me like the last one I tried i would rather pay for their name and advertising if i get people to reply to me and follow through
My buddy has hagerty on an ls-swapped 240sx and just had a body work claim and they were wonderful.
dps214
New Reader
6/27/19 12:10 p.m.
Hagerty, but with a twist: I have a friend that uses nationwide (who uses hagerty for their specialty policies) and has found sometimes that the identical policy is cheaper to get through nationwide than directly from hagerty.
I'll + whatever to Hagerty. They're good people, and their magazine is excellent. I have 3 cars insured by them, one of which is a street-legal spec miata (read: Full cage & associated race car bits).
NOHOME
MegaDork
6/27/19 1:07 p.m.
Patrick said:
They require pics of everything and he said we could probably sneak through the flares and hood, but a sheetmetal interior with a cage is a no go.
i am currently sitting in limbo with no coverage on a car that i drive maybe 30 miles a year that mostly lives in a trailer or on a track.
Who should I contact? I hear there are more wallet friendly alternatives to hagerty, but if they’re going to service me like the last one I tried i would rather pay for their name and advertising if i get people to reply to me and follow through
I just went though the hoops of insuring the Molvo with Haggerty. The V8 swap put it in the "Modified" category and bumps the annual premium by about $100. Even Haggerty is going to turn down the car based on the cage. They do accept modified cars but anything that smells of racecar they will deny. Remember, in their mind, they are in the extremely low risk niche of insuring cherrished and pampered cars that dont get used very often.
How cheap do you expect this to be? Haggerty is pretty affordable as far as I am concerned and does not make you jump through a lot of hoops. They did ask for an e-mailed photo of the car, but were happy with one exterior 3/4 rear view that I sent them.
Since I plan to actually drive the thing to the challenge I just insured the Gastropod yesterday under my DD policy and held my breath over the part where they asked if it was modified "Like an engine out of a different car?" They seemed happy when I said "Not a racecar in any way".
Wonkothe sane wrote:
I have 3 cars insured by them, one of which is a street-legal spec miata (read: Full cage & associated race car bits).
This is quite different than what I experienced when insuring the Molvo. It felt like they were trying to sniff out any performance mods that would qualify the car as "Race". Estimated HP?, Turbo? Nitrous? Roll Cage? Racing belts? were some of the questions that were asked. Easy enough to do a blanket denial and that works up to the point where it does not after an incident and then affects the rest of your insurance situation.
Working on hagerty now, i’ll likely have to call them because I don’t need liability coverage as we carry a personal umbrella policy due to the amount of vehicles and 2 houses. Checked out usaa and they have a collector/modified policy but they don’t ask anything about racing so I gather that won’t fly.
they don’t list Wartburg either, or any devin for 1955. I have strange vehicles
I have Hagerty on the MG. It is an agreed value policy with a modest value. When I did the policy I answered the questions honestly and wound up with a modified vehicle policy. I told them it has 3* the power and a modified frame.
I'm somewhat concerned with Hagerty now having trackday coverage and aquireing MotorsportsRegistration.com that wierd policy cancellations are in our future. I know that they don't cover my car on track. I would never try to make a claim for damage that occured on the track. I'm worried that they will cancel street only policies of people that don't purchase track insurance.
But I'm paranoid.
American Modern Classic does street legal race cars on restricted mileage. It's cheap and you can cover the car when it is being transported.
NOHOME said:
Patrick said:
They require pics of everything and he said we could probably sneak through the flares and hood, but a sheetmetal interior with a cage is a no go.
i am currently sitting in limbo with no coverage on a car that i drive maybe 30 miles a year that mostly lives in a trailer or on a track.
Who should I contact? I hear there are more wallet friendly alternatives to hagerty, but if they’re going to service me like the last one I tried i would rather pay for their name and advertising if i get people to reply to me and follow through
I just went though the hoops of insuring the Molvo with Haggerty. The V8 swap put it in the "Modified" category and bumps the annual premium by about $100. Even Haggerty is going to turn down the car based on the cage. They do accept modified cars but anything that smells of racecar they will deny. Remember, in their mind, they are in the extremely low risk niche of insuring cherrished and pampered cars that dont get used very often.
How cheap do you expect this to be? Haggerty is pretty affordable as far as I am concerned and does not make you jump through a lot of hoops. They did ask for an e-mailed photo of the car, but were happy with one exterior 3/4 rear view that I sent them.
Since I plan to actually drive the thing to the challenge I just insured the Gastropod yesterday under my DD policy and held my breath over the part where they asked if it was modified "Like an engine out of a different car?" They seemed happy when I said "Not a racecar in any way".
Wonkothe sane wrote:
I have 3 cars insured by them, one of which is a street-legal spec miata (read: Full cage & associated race car bits).
This is quite different than what I experienced when insuring the Molvo. It felt like they were trying to sniff out any performance mods that would qualify the car as "Race". Estimated HP?, Turbo? Nitrous? Roll Cage? Racing belts? were some of the questions that were asked. Easy enough to do a blanket denial and that works up to the point where it does not after an incident and then affects the rest of your insurance situation.
I didn't have any issue insuring my 640HP fully caged Camaro with Hagerty.
My caged LS-swapped 350Z is on a Chubb policy. I’ve been real happy with them.
In reply to nocones :
I'm somewhat concerned with Hagerty now having trackday coverage and aquireing MotorsportsRegistration.com that wierd policy cancellations are in our future. I know that they don't cover my car on track. I would never try to make a claim for damage that occured on the track. I'm worried that they will cancel street only policies of people that don't purchase track insurance.
But I'm paranoid.
Paranoid? Maybe. That's open to interpretation.
My opinion is that you have a rational concern. Does that mean I'm paranoid too? Maybe...
I could see it happening.
I need declared value coverage for my 99 NB Sport. I have already told them it's for Autocross, so I'll be paying for track coverage.
They were great about it, but they did want pictures of all interior equipment for the replacement value policy, which seemed fair enough to me.
I did make it clear to them that I may take any of my vehicles that I have insured with them on track, but the spec Miata was my main track car. They were fine with that, and we both acknowledged that street coverage ends the moment you queue up on pit road, so I'm not concerned about them dropping me for it.
Independent broker. They have access to companies you've never heard of, that don't buy Superbowl commercials or put out flashy print magazines.
My broker knows exactly what the Targa Miata is. That said, Hagerty does insure my LS1 MG and they know exactly what it is as well. But they won't touch the 38 rwhp Land Rover.
Keith Tanner said:
Independent broker. They have access to companies you've never heard of, that don't buy Superbowl commercials or put out flashy print magazines.
This is how my cars are insured and I've about hit the price floor for car insurance, however the companies involved think I'm just insuring street cars and the policies are barebones 3rd-party-only.
I tried to get a Hagerty-like agreed-value classic policy from a local company for the Corolla, but the car wasn't old or valuable enough and the mileage restrictions could've become a problem for a car that I wanted to have available as a backup DD.
Keith Tanner said:
Independent broker. They have access to companies you've never heard of, that don't buy Superbowl commercials or put out flashy print magazines.
My broker knows exactly what the Targa Miata is. That said, Hagerty does insure my LS1 MG and they know exactly what it is as well. But they won't touch the 38 rwhp Land Rover.
My independant broker threatened to drop me when I bought my spec miata.. I specifically told them I track cars, and I was adding this to be "the primary track car, so I'll keep the others mostly off the track."
"Oh my! We can't insure you if you might take a car on a track!"
Before I ended up with Hagertys, I stopped by a local independant shop and explained that what I wanted. When I mentioned I track the cars, the lady asked, "Why would you do that? I've never heard of that!" We have a circle track in town less than a mile from that office....
So your mileage may vary..
I emailed usaa lady to see if they’ll shoot me down for race use.
Hagerty has specific policies for these types of cars, most of the others have stock or street rod categories.
I talked to a Haggarty rep at the Rolex about covering my autocross car.
The value of a base 99 Miata hard s with a history of trophying at nationals isn't going to be reflected by comps to other 99 Miatas, so I need a declared value policy.
One thing that's holding me back is that he kept referring to autocrossing the car as track coverage, even after I corrected him. I don't track it, and never will.
I don't think the risk is the same between the two.
Floating Doc said:
One thing that's holding me back is that he kept referring to autocrossing the car as track coverage, even after I corrected him. I don't track it, and never will.
I don't think the risk is the same between the two.
I agree the risk isn't the same between the two, but I'd also expect not to be covered during an autocross by a street policy. I just think that while it's an event no insurer would count as covered on a street policy, it's also not risky enough to make buying an event policy worthwhile.
NOHOME said:
Patrick said:
They require pics of everything and he said we could probably sneak through the flares and hood, but a sheetmetal interior with a cage is a no go.
i am currently sitting in limbo with no coverage on a car that i drive maybe 30 miles a year that mostly lives in a trailer or on a track.
Who should I contact? I hear there are more wallet friendly alternatives to hagerty, but if they’re going to service me like the last one I tried i would rather pay for their name and advertising if i get people to reply to me and follow through
I just went though the hoops of insuring the Molvo with Haggerty. The V8 swap put it in the "Modified" category and bumps the annual premium by about $100. Even Haggerty is going to turn down the car based on the cage. They do accept modified cars but anything that smells of racecar they will deny. Remember, in their mind, they are in the extremely low risk niche of insuring cherrished and pampered cars that dont get used very often.
How cheap do you expect this to be? Haggerty is pretty affordable as far as I am concerned and does not make you jump through a lot of hoops. They did ask for an e-mailed photo of the car, but were happy with one exterior 3/4 rear view that I sent them.
Since I plan to actually drive the thing to the challenge I just insured the Gastropod yesterday under my DD policy and held my breath over the part where they asked if it was modified "Like an engine out of a different car?" They seemed happy when I said "Not a racecar in any way".
Wonkothe sane wrote:
I have 3 cars insured by them, one of which is a street-legal spec miata (read: Full cage & associated race car bits).
This is quite different than what I experienced when insuring the Molvo. It felt like they were trying to sniff out any performance mods that would qualify the car as "Race". Estimated HP?, Turbo? Nitrous? Roll Cage? Racing belts? were some of the questions that were asked. Easy enough to do a blanket denial and that works up to the point where it does not after an incident and then affects the rest of your insurance situation.
That's insurance in Ontario for you, the only way to properly put insurance on something with a rollbar (giant red flag for insurance) or that is used for AutoX, Rallycross, open lapping, test and tune night at the drag strip etc. (these all fall under "race or speed tests") here is to be insured with facility insurance, the spot where all the people with DUI's and street racing tickets (and likely distracted driving now) have to go as you are required to have insurance in the province. Fun times and crazy premiums.
See page 11, 51 and 58 of this document which lays out exactly how our insurance works in the province -Ontario Automobile Policy
Those couple of words really berkeleyed us over, I'm not sure why they get to cancel our policies if they find out we have done something perfectly legal on private property but that is how it goes.
Also note that your Hagerty policy here limits your use of the Molvo to "pleasure driving" and it shouldn't be used to go to the grocery store or work on any sort of regular basis. That's less restrictive then Ontario historic car license plates which limit you to driving the car to sanctioned car shows and test drives for the purpose of selling the car.
Adam
