Hagerty or other collector car insurance?

[70z4fun]

Hi,

I am about to sign up with Hagerty, but wanted to see how some of you feel about collector car insurance.

I have a 240 and a few Fiats. My daily drivers are a couple of Jeeps. I thought about covering the z with collector car insurance since it sits in the garage most of the year ( I'm in Central Oregon=cold/snow in the winter), and my current carrier, will not insure it for what the car is worth.

Have you had or heard of anyone that has had a claim? Chipped window, parking lot dent or anything else??

Thanks,

Bob:cheeky:

[garnerbiker]

I use American Collectors. I had to send them 2 pics and not drive more than 2K miles. The car is insured for 5K and is cost me 150 a year. I guess that's pretty good.

That's for my 73 240.

[jmark]

No claims but I am happy with Hagerty's service.

[helopilot]

Bob,

Not to hijack but where in Central Oregon?

I am in Bend

[DatsunZGuy]

I have $10,000.00 agreed value coverage on my '72 and paying $106.00/year with Hagerty.

[bobc]

No claims, thank God, but I've got 4 collector cars insured through Hagerty's. Their customer service has always been excellent. Check your policy carefully. One problem I had was occassionally I drive a car into work. Not because I have to, because we have two daily drive cars, but just because it's hard to keep 4 cars active and I can drive one and go to work at the same time. Some policies limit you only doing limited pleasure driving and attending car show and club events. If you drive one to work or do errands in it and have an accident, you may not be covered.

When I questioned one other company's agent about this, she said just lie about it and always say you were doing a club activity. Not my style!

Anyway, I like Hagerty's very much so far!

Bob

[beandip]

Hi,

I am about to sign up with Hagerty, but wanted to see how some of you feel about collector car insurance.

I have a 240 and a few Fiats. My daily drivers are a couple of Jeeps. I thought about covering the z with collector car insurance since it sits in the garage most of the year ( I'm in Central Oregon=cold/snow in the winter), and my current carrier, will not insure it for what the car is worth.

Have you had or heard of anyone that has had a claim? Chipped window, parking lot dent or anything else??

Thanks,

Bob:cheeky:

Send a PM to Carl Beck . He has had at least one claim . Gary

[Carl Beck]

Send a PM to Carl Beck . He has had at least one claim . Gary

Oh.. thanks Gary... now that you've told everyone - no need for a PM -vbg-...

I had have Collectible, Classic and Special Interest vehicles insured with Class Car Insurance companies for about 40 years now.. I've been with several different companies over that period.

YES - DARN - after driving 240-Z's for 35 years without ever bending a fender - I bent the right front fender, front bumper, broke the headlight bucket, bent the lower right finishers, BRE Spook broken and right front turn signal cracked.....dented the hood dead center as well. On my white 72 that I had recently finished "Refreshing". I'm the second owner on the car, it had about 60K miles and I had about $16K in the car and the Refresh...

I rolled down a slight incline, leaving a shopping center parking lot... when a Ford Expedition stopped suddenly and very unexpectedly in front of me - I hit it at about 5 mph... I saw it pull out onto the street ahead of me, I looked back up the street one more time to assure traffic was clear - let my foot off the brake and started to roll down the incline - out toward the street - looked back ahead - and BANG.. hit the Ford... that for no reason had unexpectedly stopped again about twenty feet ahead...#$*&%(*%#@!

I called Hagerty a few days later - and told them I had a claim to fill...

CB> - - -is me

HI> -- is the lady in Claims at Hagerty Insurance

CB> Hello, I hate to say it, but I have had a minor accident with one of my 240-Z's and need to know what the process is for filing a claim.

HI> Oh, that too bad, are you alright?

BR> Yes, I'm fine, just bent the nose of my 72 Z up a bit.

HI> I'm sorry to hear that - you must feel horrible. Just take it to the repair shop of our choice and let us know how much it is going to cost. If you don't have a good repair shop that you deal with and trust in your area - give me a call and we'll get you recommendations from other Classic Car owners in your area. If there is anything else you need, or we can do, just give me a call.

CB> Is there a number to which I need to FAX an estimate, or how do I get approval for the body shop to proceed?

HI> if you like, you can FAX the estimate to me at xxx-xxx-xxxx..... Again, if there is anything else we can do, just give me a call.

So I took the car to my body shop - told them to replace every bent/broken part with only new OEM Nissan parts.. then repaint the car. The car was stripped down again (meaning all panels taken back off.. all glass out back out, the interior removed etc etc... just like we had done it the first time)... No real body work - just paint the new parts along with the car and bolt everything back together. As I recall it was around $6K... (had to get some NOS parts out of Charlie in Canada)

The body shop FAX'd the estimate to the number at the Hagety after going over it with me ... and told them to proceed with the work. About seven or eight days later - I was at the shop checking on the progress... and my bodyman said that he hadn't heard back from the insurance company. I told him I'd call them when I got home.

CB> Hello - I was just at my body shop and the manager said he had not received authorization to proceed with the repair of my Z. Can you tell me how long that usually takes?

HI> Hold on Mr. Beck, I'll check to see what's going on........ Hello Mr. Beck, we sent the check out three days ago - you should have it in the mail today or tomorrow. If you don't receive it in a another day or two let me know. Send us some new pictures when it's done - If there is anything else we can do - just give me a call.

The next day - I received the check from the Hagety - in full. I took it to the body shop and the manager said he'd never seen anything like that... I handed him the check, and told him I'd sign off on it when the car was done - and as usual when I was happy. <vbg>...

If Hagety's premiums were twice as much as everyone else - which they aren't - you couldn't get me to switch carriers. I like their total involvement in the Classic Car hobby, their support for votech schools to train people in auto restoration, their road service coverage and most of all - I really like the way they treat their CUSTOMERS...

The only thing I don't like - is that they implemented one of those damn automated phone answering systems... and I've told them that.

IMHO - you can not do better than the Hagerty. They are real car people and a pleasure to deal with.

FWIW,

Carl B.

[70z4fun]

Thanks for the responses. Carl, can't beat that service!!

I just want make sure this car is covered. Not that I am running into things, but I did have a windshield claim on the car.....

Any other advice is greatly appreciated.

Thanks again,

Bob

[DougN]

I also have Hagerty's on my 3 classic cars and am very happy with them. I also spent a lot of time on the phone with them before signing up to make sure I was covered. They made it clear that as long as I am driving one of them for pleasure (defined as because I want to) and not because I do not have a daily driver available, I am fine for coverage. I rotate around the classics to put a little driving time on all of them to keep them working right and Hagerty said that was not a problem.

As for claims, I have been lucky enough not to need to file one, but an MGB owner from an MG board I visit had his MGB t-boned. Hagerty had a check to him for the agreed value within a few days - no fuss.

[jmark]

Just renewed my Hagerty policy today covering our '71 240Z @ $14K & the '78 280Z @ $15K for $363/year. I am in South Carolina.

[rtaylor]

I insure all of the cars that the owner of my company has with Hagerty's private client services department, for agreed upon values. They include

Carrera GT

F1

1956 300sl Gullwing

Marenello

1965 287 Cobra

1964 427 SC cobra

1957 vette

1966 Shelby GT350 convertible

1963 300sl coupe

1966 275GTB4

No problems ever. Have been with them sometime now. As Carl states, you can use YOUR bodyshop.

And, oh yeah, my Z for an agreed upon value of $15,000 for $169 a year. I could drive this to work under the policy ON OCASSION, if my car ever gets running. (I never get to drive any of the owners cars:disappoin )