Cannot Insure My Classic Car to Tow ! - Page 2 - Fiberglass RV


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Old 03-17-2013, 05:10 PM   #15
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Also common though even in Provinces with mandatory government run insurance companies that one doesn't need to obtain all your insurance needs from them. In BC for example it is possible to only buy the basic mandatory from the one required company and pick up the rest from a private insurance company. Private insurance providers may have different rules in regards to what they are or are not willing to provide insurance for just as they can vary as to what they charge for the same insurance. Both my car and trailer have the mandatory components of their insurance obtained through the Government run Insurance company - ie 3rd party liability, medical, under insured motorist but the collision & comprehensive coverage to cover me for any damages to either or if either is stolen is covered by a private insurance provider.
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Old 03-17-2013, 05:32 PM   #16
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Originally Posted by Barbara Gardin View Post
We do not use classic car insurance. We use our regular insurer but have a 19A endorsement which is insurance for appraised value. It is not nearly as restrictive for use. It is more expensive but unlike classic car insurance you can remove collision for the off season which brings the cost in line. Not all companies will do this and I think you have to have your regular car insurance with them as well.
Exactly!

I have something similar on my '65 Falcon wagon.

No restrictions per towing/use- it's just like any other comprehensive, except for that appraised value clause.

I did save a few bucks by setting an upper limit, though.

Francesca
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Old 03-18-2013, 09:45 PM   #17
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all I can do is wait till my present truck turns 25!!!
Wow, if I keep the Tonka Toy for 6 more years it'll be 25. Maybe I'll hit 200,000 km by then.

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Originally Posted by Barbara Gardin View Post
19A endorsement which is insurance for appraised value.
That's what I had on the 68 Chevelle, problem was we had to keep getting it appraised (every 3 years?).

Tony there are a couple of meets you might catch prior to the Niagara one. Check out the http://www.fiberglassrv.com/forums/f...map-53501.html
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Old 03-19-2013, 05:31 PM   #18
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Towing with classic insurance

Thanks for all the info folks, still trying to nail down suitable coverage for the T-bird Trillium combo. Thanks for the heads up on the Ontario meets Roy. I might be able to make the Wainfleet gathering as well as Niagara.

Tony
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Old 03-19-2013, 06:01 PM   #19
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One other option is that you may have to change your classic car insurance to a regular policy but ... with the regular policy you can insure the vehicle for the appraised value. I did this and the cost was reasonable (for insurance that is) and I have no restrictions.
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Old 04-05-2013, 12:49 PM   #20
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Tony, I just heard back from my agent who has my daily drivers and my 3 classic cars with Haggerty. They will NOT cover my '65 Pickup when it is towing the trailer. I am glad you brought this topic up as it is something I had never thought of. His only solution so far is to put the truck on with my daily drivers which will be at least 4 times what I am paying now. That really sucks. Have to do some more investigating. If anybody in Ontario finds out different please post on here for the rest of us to keep up to date..
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Old 04-05-2013, 01:46 PM   #21
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Just insured my new Escape this week. My home and auto insurance are from the same provider, so when I spoke with them, they indicated that:
- the trailer insurance would be added to my home policy and would cover damage and full replacement of the trailer and its components (about $240/yr with $500 deductible), and
- liability coverage for when the trailer is being towed would be added to my auto policy (for about $30/yr).

With 4 drivers and 3 auto's in our household, plus a travel trailer and home insurance, we are a substantial source of income for my insurance company. What is interesting is that they never even asked which of my vehicles would be used for towing the trailer, but were very happy to add the additional coverage to my policy.
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Old 04-05-2013, 03:31 PM   #22
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insuring classic car to tow

Thanks again everyone for all the info and ideas. Don I have found insurance through a local broker here in Bracebridge. I am just waiting to receive the paperwork and will post all the information at that time.
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Old 04-05-2013, 03:58 PM   #23
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Is that McAfee Insurance Tony? I used to use them and they were good. Can't remember why I left them now.
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Old 04-06-2013, 09:29 AM   #24
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Cool towing with classic insurance

Hi Don, I got insurance through Echelon. $176.00 per year and covers my car for appraised value of $9500.00 and $4000.00 on the camper. I will post the rest of the information when I get all the policy paperwork. Camping season is near folks, even though I still have 18 inches of snow on my front lawn!
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Old 04-08-2013, 11:11 PM   #25
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'Camping season is here'.....
Tony, (LOL) have you got tire chains for that classic 'Bird yet???
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Old 04-09-2013, 06:53 AM   #26
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Shop around for insurance, I looked into "custom" insurance for my car Volvord but was not impressed with the limited coverage. I spoke to my regular insurance company and they had the car insured for replacement value of a stock vehicle (about $4,000). I had the car appraised which came in at $35,000, the insurance company accepted the appraisal and is covering the car for that full appraised value with no restrictions. The part that made me very happy is there was NO increase in my premiums!!!



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Old 04-09-2013, 10:04 AM   #27
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I've been waiting a long time to see somone do a Volvord, what an awsum eide you have there Ian.
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Old 04-09-2013, 10:15 AM   #28
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I'll bet it tows real nice.
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