VCCA Home Forums GENERAL DISCUSSION General Discussions What Collector Car Insurance Co. are out there?

Hello,


I am looking for various Collector Car Insurance Companies to compare quotes. I know some companies prefer specific periods (e.i. 20's, 30's, 40's, 50's, etc.) I have a 69 Chevrolet.


Thanks,
Sil

A good read for information on how to choose a collector car insurer: https://www.nerdwallet.com/blog/insurance/best-affordable-classic-car-insurance/

I have Grundy. No issues or problems.

I have had J.C. Taylor for 25 years. I picked them because you don't need an appraisal. Just send them a picture of the car and tell them how much coverage you want.

I have been with J.C. Taylor for several decades as well and there are no issues to report. Been very satisfied so far.........

I have used several over the past nearly 50 years. JC Taylor initially as they carried the VCCA liability coverage. Now have Hagerty. Never had a claim until past few years, fire, flood, towing damage. Hagerty was very easy to deal with and felt very fair in their reimbursements.

I've used Hagerty for about 15 years with no problems. Had two small claims which were settled very quickly over the telephone and with a couple of photos emailed to them. Easy to work with, quick and fair. And reasonable rates. They've insured my 48 Fleetline, my 71 Chevelle and even a F%@d I have. Good luck with whichever company you choose.

I have Hagerty and have been very pleased with them.

All the Best, Chip

I have been with Condon Skelly for over 40 yrs, first claim was last summer . They took care of everything and were very fair,reasonable rates too.

Hagerty.

Charlie

I have been with Condon Skelly since the late 70’s have had 2 minor claims that were handled with no problems

I have American Modern since i got my 1929 few years back.

been very happy with them and their options :) mainly the coverage for a car under restoration and additional parts/ tool coverage.

if i have a question i can call them and ask they gladly answer and provide details

no issues or claims to date and hope it stays that way

I don't understand how you guys find easily a perfect insurance company. For me, this subject is a very complex one. It gives me big headaches. I have to read all the policies to see if it's a good one with the best terms. Also, for me, a very important question is the price. Recently, when I contracted a new insurance company, I used this platform to find out. It's very easy to use. Plus, it's showing all the necessary detail and the best offers for you. We must be more careful with insurance companies.

I have Hagerty for my 87 Monty Carlo and 41 Chevy. I shopped around and they had the best coverage for what I wanted. Also my local agent carries them so that helped.

[quote=Torruk]I don't understand how you guys find easily a perfect insurance company. For me, this subject is a very complex one. It gives me big headaches. I have to read all the policies to see if it's a good one with the best terms. Also, for me, a very important question is the price. Recently, when I contracted a new insurance company................It's very easy to use. Plus, it's showing all the necessary detail and the best offers for you. We must be more careful with insurance companies.
Agree with you point of view.

I have had J C Taylor for years on my '41 Coupe. I am satisfied with them. JIM

I’ve had Condon and Skelly for over 40 years 2 small claims that were handled with no problems.

I have Grundy. I made one claim and had no issues.

American Modern has been my coverage. The price is reasonable. They did not need an apprasial I sent photos and what the value I stated was all.

When i checked their web site it said they sell "agreed value" which is different than stated value. The following is from their site as specified on their site.
"We offer an agreed value total loss settlement. Before the policy activates, you as the car’s owner, the agent, and our underwriters agree on the car’s value and insure it for that amount. In the event of a total loss, that agreed upon value is the payout amount (in a total loss, the settlement is inclusive of all applicable taxes and fees). The deductible of course applies, but there is no depreciation and no misunderstanding.

Some other specialty auto policies, and a typical daily-use auto policy, offer stated value coverage. It’s not the same. In fact, it is really just actual cash value coverage with a maximum limit … the stated value … and the carrier pays the vehicle’s market value which it determines after the loss. If the market value has dropped since the policy was purchased, then that lower dollar amount is the payout."

Hagerty.

I had a claim for significant hail damage (N. Texas!) on my '53 Bel Air, 4 years ago. They couldn't have been better, and since I used a Haggerty "expert repair network" restoration shop, the $/hr was a non-issue (their "network" shops have a pre-negotiated hourly labor rate), and their appraiser had done a great job on estimating repair hours. Complete refinish (to factory-correct paint code) was covered, which worked out well, since the car had a failing 60's-vintage lacquer repaint prior to the damage.

Torruk
I have been with Shannons in Australia for several years but not made a claim though a few friends have and they are happy with the outcome. I doubt the US insurance companies like Taylor, and Grundy will look at a Aus based car.
Tony

Oh, it won't be cheap to insure such an old car. Usually, it is tough to find parts and components for these cars, and even if you find anything, it will cost you a lot of money. That is why it is a bit pricey to own and insure old collection cars, but I think it is worth the expenses. The emotions you get from driving an old collection car can't be compared with anything from this planet. If you want to know more about prices, take a look at https://www.moneyexpert.com/car-insurance/car-insurance-for-drivers-over-70/, be sure to find someone to help you.

Here un Canada I have Hagerty. I am happy with their service. I have had one claim after hitting a deer. They were excellent with that.

Some companies now have a clause where you can buy back a write off after you get paid.