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Old 08-01-2015, 06:38 PM
Thread Starter
  #1
Jeeper
 
Join Date: Jun 2015
Posts: 144
Best Antique/Collector/Historical Insurance?

Hi all,

One benefit available to us "more senior" YJ owners (and I'm talking about the Jeeps, not necessarily the drivers--LOL) is that, after a YJ is 25 years old, it becomes eligible for antique/collector/historical insurance.

If my math is right, that means anything from 1990 and older is eligible.

When I had this insurance on my old F-100, it was C-H-E-A-P. Like, $325./year, IIRC? And that was for an "agreed value policy" of $10,000., probably with liability of $300K (though it could have been only $100K--can't remember, for sure).

ANYWAY, I think I used Condon and Skelly, but the industry's changed in the last 20 years, and I am now aware of Hagerty's and I'm sure there's a slew of others, by now.

I would LOVE to hear opinions re: the following metrics:

1. Cost of Policy vs. Amount of Property Damage Coverage (i.e., to Jeep).

2. Cost of Policy vs. Amount of Liability Coverage (i.e., damage to 3rd Parties--either your passengers, or another vehicle/pedestrian--for both their property and--God forbid--any injuries...or worse).

3. WILL they cover my snow plow, for Property (and theft) and Liability, if ZERO commercial plowing?

4. WILL they cover my snow plow, for Property and Liability, if some commercial plowing?

5. Ease of use/speed of payment, if you ever needed to file a claim?

6. Anything else you liked about your carrier?

7. Anything else you disliked about your carrier?

8. Anything I was too stupid to ask, but should have?

Oh--I should add that there is usually an annual, total mileage limitation on such policies, so you YJ daily drivers may have difficulty on that score. When I had antique auto insurance, I was limited to 2,500 miles/year. But that was 20 years ago, so things may have improved. Just didn't want to get anyone's hopes up, if they use their YJ as a DD.

Thanks much,

Y-Yes

__________________
Jeep Newbie--'88 YJ Laredo Hardtop
4.2, Original Carb--all stock, engine-wise--including funky idle, until hot.
Upgraded to:
AX-15 trans and transfer case, out of a '99 Cherokee

6'6" Western Snow Plow
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Old 08-02-2015, 01:09 AM   #2
Jeeper
 
Join Date: Oct 2014
Location: OC in So Cal
Posts: 1,912
I had that type of policy on my VW bus. It required a declaration stating the vehicle was to be driven for shows, meetings and hobby use only and very low annual miles.

The premiums were dirt cheap. You obviously had to have another vehicle insured for each driver in the house hold. (It had to be a legitimate extra car)

We used it as a beach runner, the policy worked for us because there were always old VWs down at the beach - kind of an unofficial "club"

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Old 08-05-2015, 09:53 AM
Thread Starter
  #3
Jeeper
 
Join Date: Jun 2015
Posts: 144
Quote:
Originally Posted by 14Trailcrawler View Post
I had that type of policy on my VW bus. It required a declaration stating the vehicle was to be driven for shows, meetings and hobby use only and very low annual miles.

The premiums were dirt cheap. You obviously had to have another vehicle insured for each driver in the house hold. (It had to be a legitimate extra car)

We used it as a beach runner, the policy worked for us because there were always old VWs down at the beach - kind of an unofficial "club"
14Trailcrawler,

Sounds like it worked out very well for you!
>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>
>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>

I got a very reasonable quote from one of the following companies ($347./year, for $300K liability, and an "Agreed Value" Policy, for the value of the YJ, if I'm not mistaken?), with an annual mileage limit of 3,500 miles, which I thought was pretty generous.

BUT they won't (as of right now) cover the snow plow. Though we're still discussing that....

But I called Hemmings Motor News (I subscribe to all four of their publications, including "The Bible") and they were VERY helpful, giving me the following list of antique/collector car insurance carriers, and phone numbers, most of which I have yet to call, but which I thought I'd share:

1. Hagerty: (800) 922-4050

2. Chubb Personal Insurance:
(866) 227-9648

3. Heacock: (888) 525-2041

4. Collector Car Insurance:
(800) 787-7637

5. Classic Auto Insurance:
(800) 397-0765

6. Classic Collectors Insurance: (800) 886-8304

7. Continental Washington Group (comes up as Berkley Classics?):

(800) 603-3330

8. J. C. Taylor: (888) 268-4783

9. Grundy: (800) 338-4005

I thought the ladies at Hemmings Motor News were most helpful (as they are in all things they handle) in sharing the above contact info with me, especially since it's not their business model (Hemmings doesn't offer any insurance, itself).

Again, I'd be most interested in anyone who has successfully managed to get antique/classic insurance to cover their snow plow, for NON-COMMERCIAL PLOWING only (i.e., just our own property, and possibly a neighbors, for no money--just good will).

Hope the above contact info helps fellow forum members, as well.

Thanks again,

Y-Yes
__________________
Jeep Newbie--'88 YJ Laredo Hardtop
4.2, Original Carb--all stock, engine-wise--including funky idle, until hot.
Upgraded to:
AX-15 trans and transfer case, out of a '99 Cherokee

6'6" Western Snow Plow
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Old 08-06-2015, 06:53 AM
Thread Starter
  #4
Jeeper
 
Join Date: Jun 2015
Posts: 144
(As of now) Hagerty won't cover ANY plowing--even just on our own property (or the neighbor's) with ZERO exchange of money for services rendered.

They...just...don't..."do plows."

Here's hoping at least some of my fellow forum members are as cheap as I am, and would welcome an entire YEAR's of property/liability coverage, at decent limits (i.e., $300K), for about $350./year.

I just need to find the carrier that will also consider covering the plow, at least for non-commercial purposes.

Any suggestions much appreciated.

Y-Yes
__________________
Jeep Newbie--'88 YJ Laredo Hardtop
4.2, Original Carb--all stock, engine-wise--including funky idle, until hot.
Upgraded to:
AX-15 trans and transfer case, out of a '99 Cherokee

6'6" Western Snow Plow
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