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Originally Posted by JL8Jeff
I have my 70 SS396 insured for $40K agreed policy with $300K full coverage for $336 a year. Most classic insurance will limit your miles but the collector tags limit it anyway. I think my limit is 3000 miles a year. The insurance company is called MK Insurance and they basically sub it out to see what insurance company will cover it best.
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The mileage isn't a deal breaker, heck my firechicken barely sees 5000 a year so my Nova would be lucky to see half that.
Quote:
Originally Posted by BonzoHansen
Chris, I had to provide a few pics and a rundown of what is in the car - I was honest and that is why my car is considered 'modified' vs 'stock', which bumped it up a bit, but I wanted no troubles if I ever need to submit a claim.
Hagerty policy clearly states it is covered on the way to the track, at the track but not on the track itself. Rollcage is a deal breaker for many companies - do you have one? I think hagerty is a no on cages, I'd have to poke through some old threads to see who is ok with a cage.
You may also get reduced premium if the car is not roadworthy. You should ask.
My hagerty liability is also $300k per acc to match my DD coverage, so that upped my cost a bit. I did have to show them proof of a DD for each driver in the house and proof of my extended coverage. I have zero limitations on the insurance except the racing clause. I asked if I could take it on power tour and they said 'enjoy'.
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The car does have an 8-pt bar, so that could be problematic. Don't devote any time to the research on old threads. When I get closer I'll dig deeper. I do remember the cage and "participation in timed events" being a deal killer with Grundy's I think. I agree on the honesty part, I would hate to need the insurance for some reason and then be denied because I wasn't forthcoming. Not worth it to go that route.