![]() |
Register or Log In To remove these advertisements. |
|
|
![]() |
|
Thread Tools | Display Modes |
![]() |
#1 |
Registered User
Join Date: Jun 2010
Location: Dotsonville, Tennessee
Posts: 194
|
![]()
Hello folks,
I've had the old truck insured for replacement value through Hagerty for a couple of years. The premiums are extremely affordable, and the restrictions are tolerable...or so I thought. We have a Christmas Tree Farm (do you see where this is going?) and on our tree farms' facebook page, I posted a promotional photo of the truck in a 'work' pose. Our local insurance agent, who is a facebook friend, sent a pm explaining that the truck can not be insured by Hagerty if it's used for a business. Fair enough - so I responded that it was simply a publicity shot and that was the end of it.... ...Until a Hagerty representative called today. She calmly and politely stated that vehicles that they insure will not be covered if they so much as carry a bag of trash to the dumpster. She went on to say that NOTHING is permitted to be in the bed of the truck. She said that for this reason, they must watch pickup owners carefully. So, besides the fact that the insurance agent a douchebag, what do you think about this?? AND more importantly, what are good insurance alternatives?? I'm sure that there is already a thread or an advertiser that addresses this, could someone direct me to the information? This is a bit long...Thanks For Reading! ![]() https://www.facebook.com/LazySpread
__________________
'65 GMC Suburban 4X4, '71 GMC 4X4 LWB - The Yellow Eyed Monster, '86 C10 Silverado - Oldest Daughter's Pickup, '88 S15 GMC Work Truck, '95 GMC SLE 4X4 - Second Daughter's Truck, '99 K1500 GMC Suburban Road Trip Machine, 2000 C2500 W/T Utility Bed Work Truck, '03 Silverado - Wife's Grocery Getter |
![]() |
![]() |
![]() |
#2 |
Junior Member
Join Date: Jul 2002
Location: Scottsdale, AZ
Posts: 1,701
|
Re: Insurance debate - Hagerty vs. ??
I have an Allstate policy that allows me to phone my agent to place my K5 in/out of 'suspend' status on a daily basis. In suspend = fire, theft insurance. Out of suspend = Adding comp, collision, etc. I keep it at a weekend house so that works well for me. Only drive it 2-3 days a month and can do anything I want with it.
The agent also offers Hagerty but any mention of actually using the truck makes them baulk at writing a policy with Hagerty.
__________________
"I was patina when patina wasn't cool." 1973 Cheyenne SWB Sunset Gold / Frost White / Saddle |
![]() |
![]() |
![]() |
#3 |
Registered User
Join Date: Sep 2011
Location: Hattiesburg, Ms
Posts: 65
|
Re: Insurance debate - Hagerty vs. ??
Hagerty sucks.... To me, it's basically for trailer queens. They have so many restrictions, if you drive it for anything other than going to & from car shows, you're possibly violating the terms of your policy.
|
![]() |
![]() |
![]() |
#4 |
Registered User
![]() Join Date: Jan 2001
Location: Sabinal, Texas
Posts: 1,706
|
Re: Insurance debate - Hagerty vs. ??
Maybe so but, I was throwing money down the crapper with Allstate for insuring my A12 Bee for a car that I DID drive to shows and rarely sees 500 miles a year. I didn't find Hagerty that unreasonable. If I was out for a saturday jaunt and I got t-boned, they (Hargerty) would be hard pressed to know if I was coming from a show or not. I can carry bags in my trunk----like a douchebag insurance agent-----if you like :0
|
![]() |
![]() |
![]() |
#5 |
Junior Member
Join Date: Mar 2007
Location: Hideaway, TX
Posts: 4,950
|
Re: Insurance debate - Hagerty vs. ??
I don't understand how your agent is a douche bag for looking out for your best interests. He saw a picture that appeared to show commercial use of the truck and advised you of the potential risk. What if he said nothing and you had a claim that Hagerty denied? How would you feel about the agent then?
__________________
71 Suburban 350/700R4 Project Trixie 72 CHEVY,Highlander,SWB,396,T400 |
![]() |
![]() |
![]() |
#6 | |
New Member
Join Date: Jun 2007
Location: Coos Bay, OR
Posts: 1,077
|
Re: Insurance debate - Hagerty vs. ??
Quote:
|
|
![]() |
![]() |
![]() |
#7 |
Senior Member
Join Date: Aug 2002
Location: Valley Center KS
Posts: 3,525
|
Re: Insurance debate - Hagerty vs. ??
I have hagerty on my 68 that pretty much sits in the garage far too much. Pretty much a few car shows and cruise ins. I haul my cleaning crap and chairs in it for car shows does that count?
|
![]() |
![]() |
![]() |
#8 | |
Registered User
Join Date: Jan 2005
Location: Clearlake Oaks CA
Posts: 1,716
|
Re: Insurance debate - Hagerty vs. ??
Quote:
I pay $300.00 a year for $16K worth of Coverage on my 72 GMC Shortbed Fleetside. I have all my other vehicles/House Insured through Farmers Insurance. I didn't like the Fact that my Truck (through Farmers), would only be covered through their system of Checks/Balances. Another words he told me if my Truck were to be Salvaged, due to Fire/Theft/Accident, I'd be lucky to get $6-7K for it. Ive got almost TWICE that much into it. He (my Farmers Agent) turned me onto JC Taylor, and he acts as the agent (go between) for me. My Farmers agent, lets me know when the Premiums for JC Taylor are due, and any issues/claims, I go throiugh HIM, as opposed to talking with a Rep who knows NOTHING ABOUT ME OR MY TRUCK. I've been using this same Agent for almost 20 years, and the fact that he's kind of an "all-in-one" Agent, is a great advantage to me. So I can kinda see how your local Agent was covering his butt, when he saw your pictrure. So I think Hagerty over reacted...DEFINATLEY. The Haggerty Agent that called you, was a Bit**h an knows nothing about the passion that goes along with owning our Trucks. Heres a link...... http://www.jctaylor.com/ Let us know what you decide/do.
__________________
Hello members... I'd like you to know that I sold, my 72 GMC (Ratikle), back in November of 2011. I don't visit the site much anymore, but please feel free, to drop me a private message. RIP...."RATIKLE" |
|
![]() |
![]() |
![]() |
#9 |
///Relaxed Atmosphere
Join Date: May 2010
Location: Houston,Tx
Posts: 1,266
|
Re: Insurance debate - Hagerty vs. ??
i wonder the same.. looking for a different insurance soon
__________________
71-Cheyenne Super (E.C.E Static Drop 4.5/7". Intro Rally's 20X8.5 5" B.S 255/35/20 (F) 20X10 5.25 B.S 275/35/20 (R) 87-Silverado Static Drop 5/7" Raceline Explosion 5 22X8.5 (F) 22X10 (R) hector _________________________________ 1971 Chevrolet Cheyenne Super 1987 Chevrolet Silverado 2006 Ford Mustang GT 2012 Toyota 4-Runner 2014 Dodge Ram 1500 Sport Crew Cab |
![]() |
![]() |
![]() |
#10 |
Senior Member
![]() Join Date: Dec 1999
Location: New Palestine, IN
Posts: 470
|
Re: Insurance debate - Hagerty vs. ??
My experience with Hagerty has been good. When I took out the policy on my 1966 caprice and 1974 honda cb750, they seemed very helpful. I asked what were the limits on using each. I was told there were no mileage limits and as far as use they were not to be my daily drivers. When I ask for clarification on that, the agent said " Enjoy your vehicles, drive them when you want and not just shows, but don't use them for or drive them to work everyday." I haven't had any claims, but I did read through the policy and didn't see anything that would contradict anything I was told.
__________________
72 Shortbed fleetside 402 BB, AC, Posi 72 Super Cheyenne Longbed 350 49,000 original miles and My dad ordered it new 66 Chevy Caprice 2 dr 77 Caprice Estate Wagon New Palestine, IN |
![]() |
![]() |
![]() |
#11 | |
Registered User
Join Date: Jan 2005
Location: Clearlake Oaks CA
Posts: 1,716
|
Re: Insurance debate - Hagerty vs. ??
Quote:
This was HIS take on your Delema..... "Most insurance companies restrict business use, even on vehicles that are not collector cars, although they can usually add that rating or use to normal use vehicles or use a commercial policy to cover it. Because policies for collector cars assume limited use (hence the cheap rate), they don't usually allow for any business use, but I think calling it business use if you have the truck in a business picture is a stretch. The same would go for hauling anything in a pickup bed. Typically there isn't any restriction on it, but hauling anything significant on a regular basis would probably go beyond the limited use clause. Obviously most collectors are not going to haul gravel or dirt or anything like that anyway, but if you go for a Sunday drive and put a picnic basket in the back, that's fine. I don't have access to Haggerty's policy, but I would be surprised if it was so restrictive that you couldn't haul anything. Most likely they misinterpreted or maybe they had other reason's for being difficult".
__________________
Hello members... I'd like you to know that I sold, my 72 GMC (Ratikle), back in November of 2011. I don't visit the site much anymore, but please feel free, to drop me a private message. RIP...."RATIKLE" |
|
![]() |
![]() |
![]() |
#12 |
Registered User
Join Date: Feb 2008
Location: Fort Sumner, NM
Posts: 299
|
Re: Insurance debate - Hagerty vs. ??
Once Hagerty understood that I had other trucks for work and towing they even made an exception (noted in my account) that they would allow a truck they insure to haul another truck they insure on a trailer to shows/meets etc. Their policy is to not allow towing, but they made this exception.
They let my kids drive the truck because they see them as future customers that may never be interested in the hobby if they don't get interested now. Since there are no mileage limitations, I asked if there was a problem taking the truck on a trip coast to coast. Their response was "no problem". They encourage me to enjoy the truck and that is why they don't have mileage restrictions. Just don't use it as a daily driver or a weekend work truck/hauler and keep it locked inside. The policy states nothing contrary to what they said. |
![]() |
![]() |
![]() |
#13 |
Registered User
Join Date: Nov 2008
Location: Rowlett, TX
Posts: 863
|
Re: Insurance debate - Hagerty vs. ??
I just got a quote for my Burb at Hagerty's, with 15,000 value, quote was $206 per year.
I wonder if there is classic insurance out there for semi-daily driver? |
![]() |
![]() |
![]() |
#14 |
Registered User
Join Date: Jan 2006
Location: Cherry Valley,Ca
Posts: 468
|
Re: Insurance debate - Hagerty vs. ??
Last time I had to get classic car insurance I looked through them all and actually found that the best way to go was through my regular insurer(state farm). They have a classic car program and the prices are very reasonable. There are the typical restrictions(garage kept, no daily driver use, etc.) but my agent was actually rather nonchalant about the restrictions and gave me the impression that they weren't very strict about enforcement of the rules although I never made a claim so that might have changed if I had made a claim. Definitely worth a look though.
|
![]() |
![]() |
![]() |
#15 |
Special Order
![]() ![]() Join Date: Nov 2004
Location: Mt Airy, MD
Posts: 85,859
|
Re: Insurance debate - Hagerty vs. ??
So Haggerty won't insure a show quality truck if it gets hired out for an ad prop? You need to speak to someone over that person's head. I guess with a garage stored classic you can't set something in the bed to save space in the garage? Does this mean you can't put a cooler or your duffel bag in the bed? Does it mean classic cars can't put anything at all in the trunk? No,never,it's just not true. I have Haggerty and the pictures I sent then showed a tool box mounted in the bed and they never asked about it.
__________________
"BUILDING A BETTER WAY TO SERVE THE USA"......67/72......"The New Breed" GMC '67 C1500 Wideside Super Custom SWB: 327/M22/3.42 posi.........."The '67" (project) GMC '72 K2500 Wideside Sierra Custom Camper: 350/TH350/4.10 Power-Lok..."The '72" (rolling) Tim "Don't call me a redneck. I'm a rough cut country gentleman" R.I.P. ~ East Side Low Life ~ El Jay ~ 72BLUZ ~ Fasteddie69 ~ Ron586 ~ 67ChevyRedneck ~ Grumpy Old Man ~ |
![]() |
![]() |
![]() |
#16 |
Registered User
Join Date: Aug 2008
Location: Red Deer ab canada
Posts: 1,250
|
Re: Insurance debate - Hagerty vs. ??
I have haggy ins as well; un-appraised $30,000 value, everything under the sun coverage with approximated 5000 kilometers/year (3000 miles) usage, but that was my answer when asked how much I drive it-all done over the phone with only 3 pictures e-mailed. The only hiccup was a policy increase when the pics showed my Blazer's lowered a little; even though it's all bolt-in it's still considered modified.
Actually the only problem I see here is that when life becomes published public property (facebook/twitter etc.), there's bound to be reaction for most every action.
__________________
1972 factory 2 Wheel Drive Blazer-Sold 1972 K10 4X4-Sold 1971 Chevrolet Cheyenne/10-Sold 1970 Chevrolet C/10-Sold 1968 GMC 4X4-Project 1968 Chevrolet C/10 Pro Street 1970 GMC 3/4 Ton-Parts 1997 2WD 2DR Yukon-Sweet http://67-72chevytrucks.com/vboard/s...d.php?t=335664 |
![]() |
![]() |
![]() |
#17 |
Registered User
![]() Join Date: May 2011
Location: Long Island NY
Posts: 787
|
Re: Insurance debate - Hagerty vs. ??
I have always used american collectors insurance. They have been very reasonable in all aspects
|
![]() |
![]() |
![]() |
#18 |
Newbee
Join Date: Jan 2010
Location: Phoenix, Arizona
Posts: 1,406
|
Re: Insurance debate - Hagerty vs. ??
I have Grundy insurance. Have had no issues, but my truck has yet to drive, LOL.
The only restrictions I found, were "recreational purposes only", Garaged, ect. I can't see them freaking out if you have a cooler, chairs, and an easy up in the bed. Mine will never haul anything again, it's got two brothers to do the work. Maybe give them a call. |
![]() |
![]() |
![]() |
#19 |
Registered User
Join Date: Sep 2011
Location: Eau Claire, Wisconsin
Posts: 415
|
Re: Insurance debate - Hagerty vs. ??
I was wondering what kind of experiences anybody has had with grundy. Im thinking of switching to them from state farm for my chevelle and c10 next spring. There rates seem really fair. State farm doesnt want to give me what my car was just appraised for if it were to get wrecked, and since its not a 69 or older its not considered a collector and it always stays at 69 for the cutoff if that makes any sense? Idk, just dont want to switch to something that would also be less than desirable.
__________________
1969 shortbed c/10 1998 GMC sierra |
![]() |
![]() |
![]() |
#20 |
Saving 1 truck at a time!
Join Date: Aug 2001
Location: Kent, WA
Posts: 6,465
|
Re: Insurance debate - Hagerty vs. ??
I would switch agents if they told me I could not haul a restored motorcycle or my old 1967 Avion camper (being restored) in my restored Longhorn. Those restrictions just seem ridiculous and out of character with the intent of enjoying your restored vehicle. I was told by Haggerty that I could make dump runs and other errands with my truck...just no daily driving to work.
__________________
'68 C20 Longhorn 50th Anniversary 400/TH400 '68 C20 Longhorn 50th Anniversary 468/TH400w/buckets '72 C20 Halfhorn (Longhorn w/o cab and front clip) '69 Flxible Cruiser (look up ugly in the dictionary) |
![]() |
![]() |
![]() |
#21 |
Cruzin
Join Date: Dec 2009
Location: on the road
Posts: 2,835
|
Re: Insurance debate - Hagerty vs. ??
I have Grundy on my 75 nova i have yet to have a problem with them (i have not filed a claim) they encourage you to enjoy your vehicle. Just no daily like to work driving and keep it in a garage. Mileage is unlimited
__________________
Lime Wife's 67https://www.google.com/url?sa=t&rct=...wZEMODaS2d94u8 Back to the Fifties 59 https://www.google.com/url?sa=t&rct=...NAeStpydfrcj_U Proverbs 3:5,6 "Thanks to the Interstate Highway System, it is now possible to travel across the country from coast to coast without seeing anything."Charles Kuralt In memory of our first baby daughter, daddy and mommy love you. Danica Grace 6/26/14
|
![]() |
![]() |
![]() |
#22 |
Senior Member
![]() Join Date: Oct 2009
Location: Godley, TX
Posts: 17,963
|
Re: Insurance debate - Hagerty vs. ??
ditto - same as hubscrub. I have grundy - chose them after a long talk with both them and hagerty. I must've gotten the same agent at hagerty as jtj143.... thus my grundy policy. I asked specific questions about the use of the truck, they were understanding and reasonable. But again - have not made a claim. Am wondering if anyone has THAT terrible experience to relay? Any problems, did they get grilled on use, etc etc.... Great question btw.
|
![]() |
![]() |
![]() |
#23 |
Registered User
Join Date: Jun 2010
Location: Dotsonville, Tennessee
Posts: 194
|
Re: Insurance debate - Hagerty vs. ??
I appreciate all of the feedback;
wwotr - Thank you for speaking to your agent and for recommending http://www.jctaylor.com/ I am surprised about the range of leniency that Hagerty seems to afford it's clients. As the Hagerty agent and I spoke, I wondered about car show equipment (cleaning supplies, chairs, coolers, etc.) and I wondered about the trunk of a car...but our conversation took a direction away from these (I forgot to ask). She was very clear about the fact that nothing is to be carried in the bed of a truck that is insured by them. Nothing. I plan to research all the suggestions made in this thread, and I will re-familiarize myself with the Hagerty policy before speaking with an agent one more time. DBear - "I wonder if there is classic insurance out there for semi-daily driver?".... ...that seems to be the void in the marketplace. The vehicle is not show quality, but it's resale value is much, much more than 'blue book value'. A ideal insurance product will allow me to drive, use, and enjoy the vehicle while providing a suitable amount of coverage.
__________________
'65 GMC Suburban 4X4, '71 GMC 4X4 LWB - The Yellow Eyed Monster, '86 C10 Silverado - Oldest Daughter's Pickup, '88 S15 GMC Work Truck, '95 GMC SLE 4X4 - Second Daughter's Truck, '99 K1500 GMC Suburban Road Trip Machine, 2000 C2500 W/T Utility Bed Work Truck, '03 Silverado - Wife's Grocery Getter |
![]() |
![]() |
![]() |
#24 | |
Rottenwood Garage Member
Join Date: May 2005
Location: Marietta, Georgia
Posts: 4,321
|
Re: Insurance debate - Hagerty vs. ??
Quote:
NONE will!
__________________
2004 Chevrolet Suburban C1500 2001 Chevrolet 2500HD Crew 6.0 1999 Harley Davidson Electra Glide 1972 Chevrolet C-20 Custom Camper "Dump Truck" 1972 Chevrolet C-20 Suburban "Big Green" 1969 Chevrolet C-50 Wedge Hauler "Leonidis" 1966 C-10 2x4 short fleet 327 4 speed "Race Truck" 1952 Plymouth Cranbrook "Rican" (my grandfathers) 1931 Ford Model A Coupe "Black Beauty" 1930 Ford Model A truck "Club Cab" 4x4 Rottenwood Garage and Speed Shop.....where everything must be racy! It's not just a hobby..It's a LIFESTYLE!!! Thanks for nothing Barrett-Jackson You cant fix stupid or teach accountability! Time wasters, looky Lous and tire kickers are everywhere! |
|
![]() |
![]() |
![]() |
Bookmarks |
|
|