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Do ALL classic car insurance companies require a locked garage?
Posted by: Pedigo ()
Date: December 02, 2017 09:53AM

I have one of those garage situations that only provide for one garaged vehicle,but I don't want to pay exhorbetant full coverage premiums on the other that is relegated to the curb.

Oregon City,Oregon
'61 Loadside
'62 8-door Corvan
'63 Greenbrier Deluxe

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Re: Do ALL classic car insurance companies require a locked garage?
Posted by: Mel ()
Date: December 02, 2017 10:04AM

Pretty sure thats the rule

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Re: Do ALL classic car insurance companies require a locked garage?
Posted by: American Mel ()
Date: December 02, 2017 10:12AM

I had one company tell me outside was okay, IF it was parked in a locked yard with a 6 ft. fence.
But all others were wanting it in a locked garage for sure.

.
-----------------------------------------------
WA. state, 1 mile south of the Canadian border,
I am not at the end of the world, but you can see it from here.
'66 Monza Coupe - 4spd, 140 Daily driver beater
'67 Monza Vert. - PG, 140 Daily driver beater

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Re: Do ALL classic car insurance companies require a locked garage?
Posted by: davemotohead ()
Date: December 02, 2017 10:31AM

Heck Mercury cheaipie insurance company wanted to see my cars parked in the garage before insuring them for simple PL & PD, After I informed them my 71 Chevy truck did not fit in the garage they wanted to see it behind a locked gate!





Email me at: Dave Motohead

1960 4dr sedan caveman car
1961 Rampside (Chetside)
1962 Rampside (Barnside)
1962 Short Rampside (Shortside)
1962 Monza 700 Wagon
1963 Monza 900 coup (General Nader)




Sign my guest book!
[motoheadmall.com]
-----------------------------------
Rust Free Lancaster Ca

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Re: Do ALL classic car insurance companies require a locked garage?
Posted by: red monza ()
Date: December 02, 2017 10:49AM

If you have a good history with the company...they will bend some, at least they did with me on my recent 64 conv purchase....value will enter into it also is my guess.

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Re: Do ALL classic car insurance companies require a locked garage?
Posted by: Vin ()
Date: December 02, 2017 11:49AM

When I insured my 67 BMW /2 and then later my 65 Monza vert, Hagerty never once asked me if they were garaged. All I ever had to do with either one was to send a few pictures of the vehicle, presumably as a check of reasonableness on the amount of coverage I was requesting. That was it. No questions about garages or mileage or fences or anything. I am not advocating for this company over any others, only sharing what happened with me. I did go through my regular insurance company and I have my home owners insurance with them so I did wonder if they knew I had a garage so they didn't ask. I don't know for sure.

Vin

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Re: Do ALL classic car insurance companies require a locked garage?
Posted by: Phil Dally ()
Date: December 02, 2017 12:11PM

Every time I've added a vehicle to my Hagarty policy they ask if it would be garage.

Since I've always said yes I don't know if it can be done in any other fashion.

But I do seem to remember a three sided shed and/or carport option...call them.

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Re: Do ALL classic car insurance companies require a locked garage?
Posted by: vairjunkie ()
Date: December 02, 2017 12:46PM

I believe it depends on where you live.

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Re: Do ALL classic car insurance companies require a locked garage?
Posted by: jmaechtlen ()
Date: December 02, 2017 01:53PM

Farmers has a specialty/hobby vehicle program, they don't require garaging.

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Re: Do ALL classic car insurance companies require a locked garage?
Posted by: American Mel ()
Date: December 02, 2017 03:17PM

jmaechtlen Wrote:
-------------------------------------------------------
> Farmers has a specialty/hobby vehicle program,
> they don't require garaging.


Yeah, FARMER'S doesn't want us to burn down our houses and cost them more!

.
-----------------------------------------------
WA. state, 1 mile south of the Canadian border,
I am not at the end of the world, but you can see it from here.
'66 Monza Coupe - 4spd, 140 Daily driver beater
'67 Monza Vert. - PG, 140 Daily driver beater

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Re: Do ALL classic car insurance companies require a locked garage?
Posted by: 63turbo ()
Date: December 02, 2017 03:24PM

Honestly... I've never heard of such a requirement, but then again, my Corvair
is insured as though it was a "new" car, with an agreed upon value... nothing to do with "classic car" insurance, no limits on yearly mileage or anything.

------------------------------------

Kevin Nash
Friday Harbor Washington
63 Spyder, Daily driver, EFI read about my project here: [corvaircenter.com]
first test start on EFI here:[www.youtube.com]
first official EFI boost test here:[www.youtube.com]
My new fan! [corvaircenter.com]
engine less 62 Spyder
Canadian 64 Monza Parts car



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Re: Do ALL classic car insurance companies require a locked garage?
Posted by: Phil Dally ()
Date: December 02, 2017 03:34PM

No limits on mileage or where you drive with Hagarty...only that you also have a daily driver for work.

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Re: Do ALL classic car insurance companies require a locked garage?
Posted by: azdave ()
Date: December 02, 2017 04:11PM

Hagerty will sometimes insure a car that is stored in situations other than a locked private garage but I know of no classic insurers that will cover one sitting out front along the curb.


Dave W. / Gilbert Arizona
66 Corsa 140 4-speed w/factory A/C
66 Corsa 140 4-speed w/factory A/C
66 Corsa 140 4-speed
65 Corsa 140 4-speed
66 Corsa 455 Toronado V8
65 Monza 455 Toronado V8
65 Monza 4dr 140 PG w/factory A/C
65 Monza 4dr EJ20T w/5-speed
66 500 4dr 110 3-speed Display Vehicle




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Re: Do ALL classic car insurance companies require a locked garage?
Posted by: vintageracer ()
Date: December 02, 2017 04:47PM

The "Locked Garage" helps "Insure" that you have a total loss when you garage burns!

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Re: Do ALL classic car insurance companies require a locked garage?
Posted by: MattNall ()
Date: December 02, 2017 05:05PM

Tom, Your RS is complete and definitely worth some $$$ Keep that with a Classic insurer... I swear by Hagerty..


The other two.... just insure normally... you'll get the multi car discount..

Keep your needed level of PL/PD today I'd say $300k minimum.

Then add just "Comprehensive " no "Collison"

Comp gives you Fire / THEFT / Windstorm protection.

And add [ on all cars ] "Un / Under insured Motorist PROPERTY DAMAGE"

That's the part of auto ins. that I've collected on many times..





MODERATOR
Sea Mountain, between Charleston Harbor and Coos Bay! SW Oregon Coast
Click HERE for My Website...Click HERE for My TechPages!
..............................110-PG.................................................Webered-Turbo

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Re: Do ALL classic car insurance companies require a locked garage?
Posted by: stitch ()
Date: December 02, 2017 05:40PM

Had Hagerty's since 09 on my more door Monza. Totaled it when the right front tire blew, swerved and hit a parked truck trailer hitch. Rep from Hagerty's came by took ALLOT of picture, and said it was totaled because they were trying to find places that would work with it. Nobody wanted to touch it. So, out of the agreed value of $7500, they sent me a check for $6095 provided I get a 'Salvage' title only so it won't end up on the road. Which I did. They (Hagerty's) offered ME to insure my 67 monza w/ac that I just picked up from florida, When the camera man was here taking pictures, they KNEW that I only had a carport. ~ This is the 8th off the line~
I have it insured for 13k but will prolly raise it after I get the Tom K Tribute large valve heads transferred from the more door to the coup. AND Roger's linkage. AND Seth's distributor and wires, AND the electric fuel pump. AND the brand new all-around Bilstein shocks.



Anyway, Hagerty's is great!

"If you can't fix it with a Hammer, you have an Electrical problem."
Stitch...
Schertz, Texas.
(Smallish town/burg 17 mi. NE of San Antonio)

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Re: Do ALL classic car insurance companies require a locked garage?
Posted by: joelsplace ()
Date: December 02, 2017 06:12PM

Hagerty does not require a garage. They do ask and might charge more if it isn't locked up. All of mine are either in a garage or under a carport. They get really cheap when you have a lot of cars with them too. The last Sport Sedan I added was $12/year IIRC.
They did say I needed to be some distance from the coast if it wasn't in a garage. I don't remember how far.

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Re: Do ALL classic car insurance companies require a locked garage?
Posted by: azdave ()
Date: December 02, 2017 06:17PM

joelsplace Wrote:
-------------------------------------------------------
> I don't remember how far.

Driveway storage is minimum 50 miles from the coast.
Carport storage is 5 miles.

[www.hagertyagent.com]


Dave W. / Gilbert Arizona
66 Corsa 140 4-speed w/factory A/C
66 Corsa 140 4-speed w/factory A/C
66 Corsa 140 4-speed
65 Corsa 140 4-speed
66 Corsa 455 Toronado V8
65 Monza 455 Toronado V8
65 Monza 4dr 140 PG w/factory A/C
65 Monza 4dr EJ20T w/5-speed
66 500 4dr 110 3-speed Display Vehicle




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Re: Do ALL classic car insurance companies require a locked garage?
Posted by: Pedigo ()
Date: December 02, 2017 06:28PM

Please allow me to rephrase.
The emphasis is not so much the "classic car" but more "agreed value" coverage,without the garage requirement and not paying the normal full coverage premiums.

Oregon City,Oregon
'61 Loadside
'62 8-door Corvan
'63 Greenbrier Deluxe

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Re: Do ALL classic car insurance companies require a locked garage?
Posted by: American Mel ()
Date: December 02, 2017 07:43PM

azdave Wrote:
-------------------------------------------------------
> joelsplace Wrote:
> --------------------------------------------------
> -----
> > I don't remember how far.
>
> Driveway storage is minimum 50 miles from the
> coast.
> Carport storage is 5 miles.

>
> [www.hagertyagent.com]
> -insurance


Let's clarify that just a bit here.

Carports, - "Carports may be considered in all states except AK, CA, FL (counties of Broward, Miami-Dade & Monroe) or HI

Must not be within 5 miles of the coast in TX, LA, MS, AL, GA, SC or NC"


Driveways, - "Vehicles kept in driveways may be considered in all states except AK, CA, CO, FL, HI or KS

Must not be within 50 miles of the coast in TX, LA, MS, AL, GA, SC or NC"

In other words, mostly in the Hurricane, High theft, and avalanche states!

.
-----------------------------------------------
WA. state, 1 mile south of the Canadian border,
I am not at the end of the world, but you can see it from here.
'66 Monza Coupe - 4spd, 140 Daily driver beater
'67 Monza Vert. - PG, 140 Daily driver beater

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