[DeTomaso] Insurance

[Garth Rodericks]

No!  Not all classic car policies are the same.  Some restrict your usage to exclusively going to/from car shows, club events and parades.  Others have ridiculously low mileage limits.  May specify that you CANNOT drive your car to work.
I went with Hagerty for several reasons...  They allow you to determine the number of miles you plan to put on the car; they state it cannot be your regular commute vehicle, but do not explicitly state you cannot drive your car to work, and they do not restrict your usage to club events. And, perhaps even more importantly, I've known several folks who've had claims with Hagerty and they've had NO PROBLEMS with their claims whatsoever!  They're not the cheapest, but you don't want to find out your insurance company isn't standing by you in the event of a claim.

>> Do all these policies have the same limitations regarding how the car is used?  Is this just for driving to and from car shows or club activities?  Are there limits on miles per year?Ken
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   No!  Not all classic car policies are the same.  Some restrict your
   usage to exclusively going to/from car shows, club events and parades.
   Others have ridiculously low mileage limits.  May specify that you
   CANNOT drive your car to work.
   I went with Hagerty for several reasons...  They allow you to determine
   the number of miles you plan to put on the car; they state it cannot be
   your regular commute vehicle, but do not explicitly state you cannot
   drive your car to work, and they do not restrict your usage to club
   events. And, perhaps even more importantly, I've known several folks
   who've had claims with Hagerty and they've had NO PROBLEMS with their
   claims whatsoever!  They're not the cheapest, but you don't want to
   find out your insurance company isn't standing by you in the event of a
   claim.
   >> Do all these policies have the same limitations regarding how the
   car is used?  Is this just for driving to and from car shows or club
   activities?  Are there limits on miles per year?
Ken