Don Carter

Sorry, replied to the wrong thread. I should have known better than to try to reply with the mobile app!

Don Carter

So I took a look at the paperwork on the kitchen table from LW, and the story is the opposite from the OP's. I have an 86.5 and an 87 on LW, and they have raised the agreed value on both cars to 12k each. Not sure what they were before but I think I had the 86 at 9-10k. Not sure if my premium is also going up since it's not in this set of paperwork, but probably so. I'm not sure I like this... but on the other hand, the value has gone up...

Petza914

My policy Ts & Cs don't specifically forbid a particular use other than if the vehicle is used for transportation for a fee, so you couldn't Uber in it or use it as your taxicab, or as a getaway car in a crime - they offers what they call a "Flexible Use" policy.

https://www.hagerty.com/Insurance/Classic-Car-Insurance

"Flexible Usage
Our policy allows you occasional pleasure use with no fixed mileage restrictions**. With Hagerty, you can go for a weekend drive, take your vehicle up to the local ice cream shop or attend unlimited events and cruises."

The understanding of the policy is that:

"Classic vehicle" means a motor vehicle of
unique or rare design and of limited
production that is an object of curiosity and:
1. Is maintained primarily for use in car
club activities, exhibitions, parades,
other functions of public interest or for a
private collection; and
2. Is used only infrequently for other
purposes.


and you must have what they call a Regular Use vehicle as a Daily Driver so they won't insure your car on a Classic Policy if it's your only vehicle since they know you'll be driving it more than "infrequently".

GeorgeM

AMI does as well with their "9 to 5" provision. I have AMI through the Nat'l Corvette Museum. I have yet to file a claim, but they've been easy to work with so far. I have used the roadside assistance piece for a tow and it was fine.

kiwiokie

That's weird, pretty sure on my LW policies that was relaxed a few years ago. I think it is occasional use, cannot be you primary work transport.

hb253

That's interesting. My Leland-West policy (American Modern Home) has a $50 rider that allows me to commute two days a week.

Hugo

Eplebnista

I haven't changed my first post because I still think it is fair, but this has been a bit of a learning experience for me.

I contacted Heacock Classic - https://www.heacockclassic.com - as I thought I would just cancel the policy bought through Leland West and start over. I turns out Heacock, like a lot of others, is a broker for American Modern. Not surprisingly, Heacock seemed a little bit more willing to write a new policy for the amount I wanted, but did want some supporting info. I then spoke to them again and found out they were setting up an American Modern policy as well. As Ed and others suggested, I found some comparable sales and recited some facts to support the higher value. I sent the same info to Heacock and Leland West and Leland West and Leland West changed my existing policy.

American Modern seems to write a lot of classic car policies. They do offer the option to intermittently drive the covered vehicle to work and other places for an additional premium. What that costs must depend on many factors since it costs me a lot more than $50.