Daily drive with Hagerty insurance?

[ThatOneEuroE30]

Daily drive with Hagerty insurance?

Is it an agreed value policy?

I think I jumped the gun with Hagerty. An off-handed comment by a Liberty Mutual customer service rep got me really worried about how little they would pay me if any of my older Bimmers got totaled, so I switched.

I've seen several posts on various forums about Grundy offering classic car insurance with fewer restrictions, and your comment also gives me hope for Shelter being an option.

Thanks, Cory

Yes its agree'd value policy.



I will say my insurance agent is an old family friend and I don't know if he bent the rules for me at all. So keep that in mind if you call them up and they say something a little different.

[cory58]

Shelter insurance. I use them they have no requirements my car can sit under a tree and be daily driven they will still give me my 20k if something happens no questions asked.

Is it an agreed value policy?

I think I jumped the gun with Hagerty. An off-handed comment by a Liberty Mutual customer service rep got me really worried about how little they would pay me if any of my older Bimmers got totaled, so I switched.

I've seen several posts on various forums about Grundy offering classic car insurance with fewer restrictions, and your comment also gives me hope for Shelter being an option.

Thanks, Cory

[nauqneyugn]

I checked the occasionally drive to work for my m3 with grundy. Never had to file a claim though.

[ThatOneEuroE30]

Shelter insurance. I use them they have no requirements my car can sit under a tree and be daily driven they will still give me my 20k if something happens no questions asked.

[rcsoundn1]

I'd like to hear some personal experiences

[Kershaw]

Never lie to your insurance company. Because when you need it, you're only fucking yourself.

[cory58]

Sorry for another insurance thread. I've read many insurance threads here and still have some questions about Hagerty insurance?

How strict are they on the restrictions when you have a claim? Does anyone on here have experience with a claim when not following the restrictions?

Here is my situation: I have 2 of my Bimmers insured with Hagerty. I'm having a difficult time NEVER driving the Hagerty cars to work. I have garage space for all of my cars, but the big garage is not at my house, so I also have trouble NEVER parking the Hagerty cars in the driveway at my house overnight.

I get the impression that a lot of people lie to the collector car insurance companies. Are they just taking the huge risk? I'm concerned about a claim getting denied, especially if I'm responsible for someone else's car or (heaven forbid) someone gets inured.

Has anyone selected the "occasionally drive the car to work" option with Hagery? Will they still cover your E30 or other older Bimmer if you select that option?

Any personal experience or other advice would be greatly appreciated.

Thanks, Cory