Nonsense Thread

[Northern]

You need a "daily driver" insured on a separate policy from another company.

Ah that was not something made obvious from the quoting process... I'll be calling them later and we'll see.
I've been served a boatload of ads from them recently about how 'we also insure your daily driver' which is why I bothered checking in the first place.

[2mAn]

Anyone insured with Hagerty?

I've had Hagerty for quite some time now and while the rates have been trickling up for a car that rarely gets driven I find the comfort of knowing that its a stated value with no questions asked I am happy. I currently have the 996 and will be adding the E30 anyday now. Both should end up costing me ~$120/month paid on an annual basis

[Panici]

Anyone insured with Hagerty?

Yes I am.

E30 and both E36.
I did have the Miata on there as well but since I blew the engine up, there's no point in insuring it for the time being.

Agreed value policies are nice. Although, they won't insure my E30 for what I have in it.
They will cover anything you do to the vehicle, I literally sent them a link to my build thread when they wanted details for the "modified" status policy.
Going from memory, I believe the stipulations on modifications were no full roll cages (roll bars are fine), and no nitrous oxide?


I will say they took decent care of me when my E30 was rear ended. Adjuster came to my house. I was able to take a cheque/payout for the repairs at the value they agreed and handle the whole repair process independent of them. (With the condition that I couldn't go back for more money if the repairs ended up being more expensive. Which I imagine a bodyshop could negotiate with them directly)

I ended up rolling the money into the bodywork and full paintjob after cutting a quarter panel off a local enthusiast's parts car. Think it worked out to them covering about 1/3rd of the total cost of the full respray colour change.

I've used their flatbed roadside towing a couple times without issue.

God forbid you need it, but the ability to have a car legally totaled, get paid out, and then get to keep the car is good piece of mind. Think they call it Cherished Salvage.

I'm wondering what the catch is

You need a "daily driver" insured on a separate policy from another company.

I've asked about occasionally taking a car to work on a nice day, and they asked me approximately how many times a year, and said it's fine.

I imagine there is a yearly mileage limit as well, but I've never run into that problem spreading my driving over so many vehicles :D

[Northern]

Anyone insured with Hagerty?

I'm paying out the ass now with my broker due to the XC90 and LR4, but my most recent renewal notified me that they are going to refuse to insure my e30.

The convenience of the broker/current policy is worth a lot to me - I get 30 days of coverage on new vehicles without notifying them so I can go buy some shitbox on a whim on any given weekend, and everything is via email so I can add/drop vehicles between coverage levels in 30 seconds if I'm not going to drive something for a few months.

That said, according to the Hagerty quote, that convenience is worth $1-2k/year, so I'm wondering what the catch is.
Probably a huge difference US vs CAN, but I'd still like to hear about your experience with them...

[Chilezen]

Ahhh! Beautiful! I love all of these!

Do you have an ND filter? I think the shot from the lake's edge would pop just a little bit more with smoother water.
"Breakthrough Photography" is my preferred brand.