Quote:
Originally Posted by serocontra
which insurance carrier is that?
|
It isn't so much the carrier as it is the policy. Regardless of the insurance company, policy will dictate what is and is not covered use. There are exceptions, I will use for this example- Hagerty.
Like some other collector car specialty carriers, Hagerty is a company that specializes in ONLY collector type cars, and does not insure the "daily driver" cars. They are picky and it is written into their policies how the car can be stored and used. Hagerty does allow what they call "pleasure use" driving. Example- Their policies state that you are not covered if you use the car to commute to work, but you are covered if you use it to attend a Model A club meeting. You are covered while driving the car on a club tour or even an overnight tour. You are even covered driving your collector car cross-country to attend the MAFCA national convention! But if you used the collector car to commute to work and it were damaged in the parking lot, they may deny coverage.
My daily-driver cars are insured through Farmers (had USAA prior to that) and although they will gladly also insure the Model As, doing so through Farmers would cost nearly 4x as much, and the coverage is not "guaranteed value" like it is through the specialty carriers. Thankfully, my insurance agent is authorized to represent both companies, so it is still basically "one stop shopping" in my case.