JHZR2
Staff member
Who uses it?
I have Leland West for my 81 MB. It is like a third of the cost of a liability only standard policy, and is full coverage.
Have been looking at options because given their use, while not necessarily antique/classic, it looks viable to put my 81, 82, 98 and 11 vehicles, all low use pleasure vehicles, under such a policy.
The companies all weasel word though. Some talk only car hobby related stuff - stop at HD or go to a restaurant and get hit and youre not covered... No thanks. I specifically have a limited commuting rider on my 81's policy for the two times a year that I might drive it to work.
Some companies say unlimited mileage but then talk out of both sides of their mouth - use is good, take it to dinner or a trip, but again, no commuting, errands, hotels, etc., and possibly even use it unlimited only to do shows and parades - while pleasure use is claimed OK, you could drive it cross country to a car show and be OK, but take it cross country for pleasure and no good...
A couple companies have some kind of freedom tier, where limited general use is acceptable, which to me is a good comprimise, so that one can stop at Home Depot on the way home from commuting once in many months, and not lose coverage.
Not trying to cheat the system, I have enough daily drivers and use them as such. Its more that the seldom use cars are just that, fairly seldom used. So to use regular coverage when the vehicles see no real use and thus no real risk is silly...
But no documents are really clear to give true indication of coverage.
Anyone really made heads and tails of these policies? What do you use and why? Ever get the wishy washy answers?
Anyone ever need to do an at fault claim on a classic policy?
I have Leland West for my 81 MB. It is like a third of the cost of a liability only standard policy, and is full coverage.
Have been looking at options because given their use, while not necessarily antique/classic, it looks viable to put my 81, 82, 98 and 11 vehicles, all low use pleasure vehicles, under such a policy.
The companies all weasel word though. Some talk only car hobby related stuff - stop at HD or go to a restaurant and get hit and youre not covered... No thanks. I specifically have a limited commuting rider on my 81's policy for the two times a year that I might drive it to work.
Some companies say unlimited mileage but then talk out of both sides of their mouth - use is good, take it to dinner or a trip, but again, no commuting, errands, hotels, etc., and possibly even use it unlimited only to do shows and parades - while pleasure use is claimed OK, you could drive it cross country to a car show and be OK, but take it cross country for pleasure and no good...
A couple companies have some kind of freedom tier, where limited general use is acceptable, which to me is a good comprimise, so that one can stop at Home Depot on the way home from commuting once in many months, and not lose coverage.
Not trying to cheat the system, I have enough daily drivers and use them as such. Its more that the seldom use cars are just that, fairly seldom used. So to use regular coverage when the vehicles see no real use and thus no real risk is silly...
But no documents are really clear to give true indication of coverage.
Anyone really made heads and tails of these policies? What do you use and why? Ever get the wishy washy answers?
Anyone ever need to do an at fault claim on a classic policy?
