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Full coverage insurance

jeepndan

jeepndan

Basic User
City
westland
State
mi
Anyone have classic full coverage insurance on their scrambler? Mines not quite at that point but my 86 cj7 is. Fresh paint, fresh rebuilt 401, t18 with novak adapter to d300 tcase, factory d44 rear,ox lockers fr and rear, 35 mtrs. Never cared enough about it before because it was my wheeler but since ive restored it i can't bring myself to get it muddy. But back to insurance, called Hagerty today and was rejected before i could even tell them i lifted it. I mentioned part of the 500 miles i put on it in a year were cruising on the dunes and that end the conversation. Called my insurance co and to fully cover it theres no value that can be given due to it being too old, they suggested calling Hagerty....lol round and round. Any sugestions? Not giving up wheeling but it certainly wont get the full beating it use to.
 
Are you looking for a stated value policy? I have not gone that route. I have mine on my regular auto policy as it is a dd. If it gets into a fender bender, it will probably be "totaled". Thinking about changing policies, but I just did a frame swap/build so that I can take it on the trails. I know they would not cover damage there. But not sure what to do. I would probably just not claim anything if there was ever damage to it and just rebuild as needed. But mine is no show quality CJ either.
 
What's your driving record like? Age? These are extremely important when it come to Haggerty.
 
State Farm initially insured mine for the purchase price after I bought it back. A few weeks later, I got a letter and a partial refund stating they could not insure it for more than $11,000.

From an email I got from my agent: "The old car price guide came in at $6000 and NADA came in at $11,000 sometimes underwriting will average them but in this case didn't and gave you the higher amount. We can push the amount up if you can show us a market based appraisal from a third party."

Since there are no certified appraisers anywhere near Moab, I've decided to live with the $11,000 value on the policy for now.

By the way, I'm paying just under $190/year for the policy.
 
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I use Hagerty for all my Jeeps (and another classic car). The annual premiums are directly related to your stated value and are very affordable. If it wasn't, I probably wouldn't have as many Jeeps as I do. They definitely try to limit their coverage to the classic car crowd and prefer following type of driving: (1) limited miles; (2) primarily for weekend pleasure; (3) limited work commuting; and (4) driving to parades or car shows. I tell them once or twice a month for commuting which is about right for me.

There are some other carriers that will do an antique or stated value policy. I would also got a quote from Liberty Mutual, and you could try them. Farmers is my carrier for our daily drivers, and they also have a program for antiques. However, they wanted me to declare on my application that I would not use for commuting at all (only parades/shows and occasional weekend).

You could try Hagerty again and don't mention the dunes. They might not cover if something happened during that activity but would cover other driving and theft. You may also have to go through a pre-review for modifications. Mine are very stock so I have never gone that route.

Good luck,
 
I tried Haggerty and since mine does not live in a garage they were not interested in insuring it.

Sent from my SM-J320P
 
FLCJ8 said:
I personally don't know anything about this company,
http://americancollectors.com/plans/collector-vehicles/policy-features/
but I remember one of the members here had a good experience with them.
https://www.cj-8.com/forum/showthread.php?36316-Wrecked-CJ-8-Insurance-questions&p=254701&highlight=#post254701
Good luck.
Click to expand...

Yup, I'm still with American Collectors Insurance. Fortunately haven't needed them again since this incident but was very happy with the outcome. Annual premiums are pretty inexpensive.
 
Yep DeLuke, think im going to try hagerty again and forget to mention the dunes. Lol i told the it was for a photo shoot too. Friend of mine goes thru them and couldnt believe they turned me down and i should try again.i told them i drove in car shows couple of cruises and on weekends for pleasure. Never to work.
 
Think that may have been a factor for me too Barrys. I do store it in garage for wintwr but summer its parked in driveway in the back behind locked gaye and now way to get it out.
 
jeepndan said:
Thanks breal. Probably shouldnt use the pictures
https://www.dropbox.com/s/801enzfwu838ry4/DSC_0001.JPG.jpeg?dl=0
https://www.dropbox.com/s/z682sbefiaaqzj4/DSC_0006-1.jpeg?dl=0
https://www.dropbox.com/s/iyn0hw2hpqugtan/DSC_0013b-1.jpeg?dl=0
Click to expand...

Probably a smart decision:cheers:

If Haggerty doesn't work out for you, you might consider calling American Collectors. My annual premium is $280 for full coverage and a stated value of $15k. With that you are limited to 7,000 miles annually and you need to be able to show a picture of it in the garage that you keep it in, even if it's your neighbors. I'm sure there are other variable that play into the pricing but seems pretty reasonable to me at $23 a month.
 
Keep in mind, getting the policy is one thing if you "forget to mention the dunes" but getting them to cover you once you need them is another thing entirely. They'll look for any way out of paying.

I always say the same thing when this stuff comes up, insurance companies sit just below politicians in my esteem rankings.
 
Great pictures on the Renegade! Here are a few notes on Hagerty and my opinion on the subject.

My wife had an accident in the other classic car (“driver” 1969 Camaro). It wasn’t her fault, and the other driver turned out to be uninsured. Hagerty paid under our uninsured coverage, we only had to tell Hagerty she was running errands, and they sent their adjuster to our house once then body shop twice for increased repair costs / amendments. There were a few coordination problems between the shop, Hagerty and their contracted adjuster but overall, we were happy with their service.

My annual premiums run probably $90 for a $7,500 Jeep and to around $200 for one I insured for $22,500. My stated mileage is around 1,000 annually on each, and I’m 45 with decent driving record. I pay less than $1,400 per year for all six Jeeps plus the Camaro which has the highest stated value.

Hagerty usually asks for 4 pictures for their underwriting and will ask about modifications. Our Camaro has a non-original 350 with a mild cam and HEI ignition system, but they still classed it as stock.

If anyone has a CJ insured similar to their daily driver but only drives 2,000 miles or less, I definitely recommend moving to a classic/antique plan. The cost savings for me was almost a $1,000 annually when I moved my 1986 CJ-7 from Farmers to Hagerty. Plus, the whole time, I always worried that Farmers would only pay blue book or NADA value and not market value if it was totaled.

Thanks for listening,
 
Grundy can also insure classics if Hagertys does not consider it a classic under their guidelines.
 
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