This is from the JC Taylor website. Does not look particularly liberal in how you use the car.

 

I don't have the specifics available at the moment, but I'm guessing that somebody has them handy or can dig them up (calling @cosmomiller , policy check on Aisle 5?). When I spoke with Hagerty they made it clear that the car was not to be used as a daily driver, Yet even then I can drive it to work on occasion if I wish. (A moot point as I work from home.) Most other uses were fine as well — certainly driving the car on weekends, road trips, and things like car shows, and club activities. The main thing is that Hagerty does not want to insure the car as a daily driver. The way that they see to this is that you must provide proof of insurance with another insurer on another vehicle you own (they'll want to see this for all other vehicles you own). All of this struck me as a fairly common sense approach that aligned well with my own needs. From there they just wanted to know how much I expected to drive the car on an annual basis. I sent them a number of current photos of the car, answered some other question and never had to have the car inspected by a third party as State Farm was requesting.

The only other thing that I would reiterate is to make sure that you know exactly what each insurer is alluding to when they claim "guaranteed value", "agreed value", or whatever they are calling their specialty car policies. Like I said, State Farm has an agreed value policy option, but in their case it does not guarantee that you'll be paid this amount in it's entirety in the case of a total loss scenario. That said I am grateful to my State Farm agent for his honesty regarding this subject. I'm also grateful that State Farm had me jumping through hoops to try and obtain the agreed value coverage on the S2000 as that is ultimately what lead me to Hagerty Insurance. As with @engifineer , when it comes to Hagerty there are other factors that have me remaining with them as a customer. Everybody has their own priorities be it simply lowest cost, inclusion or custom parts, track use, whatever that are going to impact their own choices, any of which might lead to a clear choice of insurers.

 

For Hagerty, they just ask how many miles you drive and the rate is adjusted from that. Mine is set at 5000 miles per year.

 

Pretty much all of the classic car insurers have usage restrictions (ie, don't use the car as a daily).

In my case, moving the S from a non-agreed value policy with State Farm to an existing (I already had a couple of motorcycles and another car on there) Hagerty policy knocked off a good 50% of the insurance premium cost annually.

 

Hagerty also requires that you have a different car listed as your primary car. So if you only own the S they may not insure it.

 

IIRC they also require the classic to be stored in a locked garage. Having a non-classic DD is pretty much par for the course with classic vehicle insurance.

 

Right, on the garage front Hagerty understands that when the car is away from home it won't be stored under lock & key. They just want to make sure when the car is at the primary location where it is being kept (or seen) the majority of the time, it is being protected accordingly. On the DD front, knowing that you have an everyday car insured as a DD helps to alleviate concerns that a customer will want to use their classic car on a daily basis. Not that all that many typically want to anyway. Like I said, common sense sort of stuff, but nothing unreasonable. I too would guess that most classic/collectible car insurers are the same in this regard.

 

It seems like, for me, Grundy is 1/5th the price of Hagarty for similar coverage. Anyone have anything bad to say about Grundy?