Date:         Wed, 9 Aug 2000 16:11:15 -0400
Reply-To:     Gary Stearns <gstearns@sprintmail.com>
Sender:       Vanagon Mailing List <vanagon@gerry.vanagon.com>
From:         Gary Stearns <gstearns@sprintmail.com>
Subject:      Re: Insurance for multiple-Vanagon households ?

When working with an insurance company targeted toward the collector market
(like Hagerty or American Collectors) the determination of eligibility is
pretty subjective.  There is no cutoff year, and no particular vehicle
determination.  They do ask for photos and an appraisal with the
application.   It seems that it's less important whether **they** consider
the vehicle a collectible.  They want to see if **you** do.   Hagerty has
"stepped out of the box" and realizes that losses are much, much less
frequent with people that treasure their vehicles.  They look for well
maintained or restored condition in the photos, and they do state that they
expect "minimal mileage" put on the car.   A '98 Eurovan probably would not
qualify.  A restored '68 bus definitely would.  An '85 Vanagon might.

Hagerty works through independent agents.  Call one that is local and ask if
they can access Hagerty, or better yet, call  Hagerty and ask for an agent
in your area.   A good agent will pose the eligibility questions to Hagerty
by phone and get a determination.

Gary

----- Original Message -----
From: Bill Davidson <wdavidson@thegrid.net>
To: Gary Stearns <gstearns@SprintMail.com>; <vanagon@GERRY.VANAGON.COM>
Sent: Wednesday, August 09, 2000 10:41 AM
Subject: Re: Re: Insurance for multiple-Vanagon households ?


> Gary,
> Is a Vanagon a 'true collectable' vehicle???
> Is there a cut off year?
> Bill
>
> ----- Original Message -----
> From: "Gary Stearns" <gstearns@sprintmail.com>
> To: <vanagon@GERRY.VANAGON.COM>
> Sent: Wednesday, August 09, 2000 4:48 AM
> Subject: Re: Insurance for multiple-Vanagon households ?
>
>
> > Go to http://www.hagerty.com/auto/quote.htm.  I am an insurance agent.
> True
> > collectibe vehicles do get a huge rate break through Hagerty (and
others)
> > For example:  I just insured my brother's restored '66 Triumph TR4A
valued
> > at $12,000. His cost: $285 /yr.
> >
> > Gary
> > ----- Original Message -----
> > From: k1cajun <k1cajun@pipeline.com>
> > To: <vanagon@GERRY.VANAGON.COM>
> > Sent: Tuesday, August 08, 2000 10:40 AM
> > Subject: Insurance for multiple-Vanagon households ?
> >
> >
> > > This also applies to non-Vanagon vehicles, too.
> > >
> > > There are two drivers in our household.  The rest of the family
members
> > > are not allowed to drive (2 dogs, 2 parrots, no human offspring).  We
> > > own 2 Vanagons and 1 Volvo (hey, at least it starts with VOL and comes
> > > from the same continent).
> > >
> > > We, of course, must insure 3 cars for 2 drivers, but I would have
> > > expected to see a significant discount for the extra car.  Since there
> > > should only be two vehicles on the road at any given time, the
insurance
> > > co. has less exposure.  But we pay almost as much for the third
vehicle
> > > as for the other two.  Yes, there is a small discount for low mileage,
> > > but not much.  Fact is, if I sell any one of the three, our insurance
> > > bill goes down by a third.
> > >
> > > So I wonder ... What does a person do if they have what is reasonably
> > > seen as a car collection ?  If I chose to buy a single-cab, a
crew-cab,
> > > and a split-window or two, and have them all legally driveable, is
there
> > > any insurance company that has provisions for seldom-driven cars in a
> > > collection.  Or is this just the cost of collecting vehicles, making
it
> > > a hobby for folks like Jay Leno ?  (No, I don't make that kind of
money
> > > or I wouldn't need to ask.)
> > >
> > > Any list members with "collections" or in the insurace biz who have
any
> > > suggestions ?
> > >
> >
>
>