[blipshift]

quick google of collector car insurance reveals:
Grundy
Geico
Progressive
JC Taylor
Heacock Classic
American Modern Insurance Group
Esurance
Chubb
Barrett Jackson
StateFarm
Safeco
Farmers

I have no idea what you should expect from those listed above. I'd check with Hagerty first and then if you're ambitious give some other folks a buzz and get a quote. 15m could save you...???

[good hands]

This thread is a great example of why you should use a trusted agent. Conversations can be " off the record " about most scenarios. If you call USAA or Geico or Progressive anything you say is documented and can and will be used against you.

To the original poster I would like to know how and why the company found out about the roll bar if you have an agent ? If someone calls to add a car to their policy I would never even ask about a roll bar ( for the record anyway )

[Ryan]

That's why we all should use Scott ( I do). Plus then he can afford more slicks and maybe win GTB1 this year

[Hunter]

My friend told me he called Hagerty and American Collectors Insurance last night. He said he was upfront about his street legal car that has a cage, PCA, DE, etc. Both willing to offer insurance. Hagerty was 25% more expensive than ACI.

He told me this is being researched since he doesn't want to risk losing his current alphabet insurance company.

Just FYI.

[ducatithunder]

If you are USAA member you can get a discount with AMerican Collectors. I have them for my other road going cars. 3 Free $200 tows a year, spare parts insurance and will insure resto projects and the premium is really good. Agreed value as well.

[ausgeflippt951]

This is a very interesting thread. May I ask how your agent found out about the roll bar? Do they do things differently in MD as part of the inspection?


Were I actually in town I'd be happy to help you remove the bar.


I'm not sure what this is all about -- I wonder if they're undergoing some kind of transformation. I've had a variety of providers over the years and for me, SF has unequivocally been the best (though I haven't yet tried All State with Scott!).


When I moved to VA and switched to my current agent, I was very candid with him about tracking the car. His response was that yes: my car is covered in full as long as I am not driving competitively. Driving on track -- particularly when the event is titled "Driver's Education" is covered in full.

I have this response both in writing and as a voicemail saved on my phone. I'm beginning to wonder if this is not enough CYA, though.


And for the record, I don't recall Hagerty's being all that great a deal. I seem to recall their premium was higher than SF when I looked into using them. And their coverage didn't seem any better.

[Hunter]

Originally Posted by ausgeflippt951

This is a very interesting thread. May I ask how your agent found out about the roll bar? Do they do things differently in MD as part of the inspection?


Were I actually in town I'd be happy to help you remove the bar.


I'm not sure what this is all about -- I wonder if they're undergoing some kind of transformation. I've had a variety of providers over the years and for me, SF has unequivocally been the best (though I haven't yet tried All State with Scott!).


When I moved to VA and switched to my current agent, I was very candid with him about tracking the car. His response was that yes: my car is covered in full as long as I am not driving competitively. Driving on track -- particularly when the event is titled "Driver's Education" is covered in full.

I have this response both in writing and as a voicemail saved on my phone. I'm beginning to wonder if this is not enough CYA, though.


And for the record, I don't recall Hagerty's being all that great a deal. I seem to recall their premium was higher than SF when I looked into using them. And their coverage didn't seem any better.

I am not the OP but to share a little more on a statement you touched on, I too asked my alphabet company 11 years ago after joining PCA and starting my DE training and it seemed okay. I believe as time has past they are not as willing to go along with the program. If one were to read the statements in the policies now most will touch on the subject regardless of what lower level person may have said on the phone to you or me. This is why I purchased separate track insurance for DE events. However, in light of the OP and other comments it seems that there may be too much risk to you, me or any other DE person when driving on the street with a bar or worse cage in the car. It appears some companies may pay the claim if you are involved in an incident which, may or may not have been your fault and then drop you altogether afterwords. Or worse try to get a policy and mention or have them inspect and see a roll bar and puff all the policies go out the window. Dad didn't fly Mach+ 60 years ago for that!

[good hands]

Here is the standard exclusion in Va :

11. Loss to your covered auto or any non-owned auto,
located inside a facility designed for racing, for the
purpose of:
a. Competing in; or

b.

Practicing or preparing for;

any prearranged or organized racing or speed contest.

Things really have changed in the nine years I have been tracking a car. Claims adjusters have become more aware of how cars are being used on track for sure.

It would seem to me that if you use your car for DE you would be safe based on this exclusion but it is up to a claims adjuster to interpret how you used your car on the track. More and more it seems they are denying coverage based on how " track prepped ' your car is, what kind of tires were on the car at the time of the accident, and the organization you are running with. The bottom line is that incidents on track are treated very inconsistently and coverage can be denied by any company at any time.IMHO it's not worth taking the chance . Track insurance is worth the investment if you can't afford to ball up your car and walk away.

[blipshift]

Originally Posted by ausgeflippt951

And for the record, I don't recall Hagerty's being all that great a deal. I seem to recall their premium was higher than SF when I looked into using them. And their coverage didn't seem any better.

Hagerty's quoted premium on the 944s was slightly better than my DD insurance but they don't cost much to insure in the first place. Premium quote on the 911 was halved, annually.

[joep]

Originally Posted by good hands

Here is the standard exclusion in Va :

...any prearranged or organized racing or speed contest.

well I'm glad an autox wouldn't be considered under this clause.

Although the scale of potential claims is much smaller, its still an at risk event now isn't it?

And let us not forget ANY road rallies where timing is a factor? I think for the most part rallys don't include time to avoid reasons for speeding, but I'm sure then been a few...