Re: classic car daily driver insurance?
 

Agreed. And one of the great things about the forum is that enough folks telling the insurance companies about what they would like to have can result in some changes toward that end, as evidenced by some of the minor improvements folks have mentioned about a potential Grundy stated or agreed (i forget which) value policy for dd's. Many of us would be ok with paying a little more as you mention - and when an insurance company sees $$, their interest might increase. The extra care most folks take with their old vehicles is a risk hedge for insurance companies. In other words, if you could get double the money out of the classic insurance market from truck drivers, and only 10% of them got into accidents... well, it's fuzzy math, but the biz case is there to be analyzed. Or we could just sit back, suck up the status quo, and deal with it and never attempt to fix any problems.

Re: classic car daily driver insurance?
 

It wasnt the agent, she didnt understand it either. It was whatever insurance company i was using at the time for my other vehicles. As soon as my policy expired through them i put everything on the same policy as my 71 which is through progressive.

Re: classic car daily driver insurance?
 

We have the comprehensive coverage by the AARP Hartford for about 15 years now and we’ve never faced any trouble with them so far- great service, great rates. We had our coverage determined on the stated amount but I’ve heard that it’s introducing classic car insurance on the ‘agreed value’ in some states. You might want to check it out. You could always take a look at the AARP classic car auto insurance quotes on their website. Request to speak to an agent if you want to insure it as a daily driver.

Re: classic car daily driver insurance?
 

Drudging up this thread as I'm currently going through the process of insuring my 72 Blazer. The example scenario I posed to Hagerty and Grundy was this: If I drive my vehicle a short distance for say a Saturday picnic at the lake and incur some manner of loss would I be covered. Their answer was no. Also, the Grundy representative was short to the point of being rude but the Hagerty rep was easy to talk with. I'm seriously considering GEICO collector car insurance (http://www.geico.com/getaquote/collector/) - their rep I spoke with did say that a loss incurred during occasional pleasure drives would be covered under their policy, which is for an agreed value. Anyone have a GEICO collector car policy?

Re: classic car daily driver insurance?
 

Why wouldn't Grundy cover it? I ask because I have had Grundy for about 10 years. I have never had 2 make a claim, but I'm curious as to if I ever have to.

Re: classic car daily driver insurance?
 

So what is their coverage for? Is the vehicle only insured when it is locked away in a garage?
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Re: classic car daily driver insurance?
 

If I were you I'd call and pose some scenarios along the lines of non-car show/cruise use (trip to Home Depot of bag of nails say) and ask about what is/is not covered. Here's a link to their website: http://www.grundyworldwide.com/about.aspx

My take is the Hagerty/Grundy policies are designed to cover classic vehicles that see no recreational use outside of an organized show/cruise...the GEICO policy seems to afford some "wiggle" room for limited recreational use provided some common sense is applied. For example, if I drive the Blazer to another town and stay in a motel - a loss would be covered provided the vehicle wasn't parked then stolen from a dark alley. All expect the vehicle to be stored in a locked garage at the owners home.

Re: classic car daily driver insurance?
 

American Collectors Insurance has recently began a new program called “Freedom Tier” This program allows a car to be driven for hobby use as well as occasional general transportation up to 7,500 miles per year. Not for a daily driver, still no towing or "anything" in the bed but allows for those occasional errands and side trips not car show related. I have this on my 72 C10 and the normal classic car insurance on my two vettes.

I did have a spirited discussion about "anything" in the bed, we talked about a car being able to go to a show with coolers and lawn chairs in the trunk but not able to carry them in a truck, they said that's correct, nothing in the bed, even car show stuff.
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Re: classic car daily driver insurance?
 

Thanks, because I don't want to be arguing over a claim because I drove 2 Wal-Mart for some Gatorade.