Date: Wed, 19 May 2010 23:36:08 -0700
Reply-To: Roger Whittaker <rogerwhitt1@GMAIL.COM>
Sender: Vanagon Mailing List <vanagon@gerry.vanagon.com>
From: Roger Whittaker <rogerwhitt1@GMAIL.COM>
Subject: Re: Insurance suggestions
In-Reply-To: <9ea3c.647c983f.39250c76@aol.com>
Content-Type: text/plain; charset=ISO-8859-1
dear paul
if you have not settled on your insurance provider yet ...please consider
as stated previously...
*acceptance by your carrier of your $$ value is meaningless once your westy
is at the bone yard
*
what is meaningful is AGREED VALUE ... and the policy must say AGREED VALUE
"declared value" or "value stated" or "appraiser states value to be" is a
large group of meaningless words
this i learned through hard experience when our beloved 1989 5 Speed Diesel
California Model (all OEM) was destroyed last year ...
many discussions with government owned provincial insurance ... lawyer ...
and a few others who weighed in to offer support for my concerns
and all of this discussion surrounded the meaning of Declared Value ...
until finally the insurance adjuster told m e ...
in great detail that declared value was not Agreed Value and that for agreed
value i would be paying considerably more for my coverage...
ahh that was one for me as i was paying double what i had been when i first
got the van 2 years earlier ...
oddly enough that was not the only fancy foot work in my dance to recovery
of my $$ insured for
so once again ...
get on top of this with an appraiser who is acceptable to your insurance
carrier ...
Talk to prestige car people who will direct you to an appraiser worth his
salt ...
his report should contain a great many photos ...
your carrier may impose restrictions for use of your vehicle ...
shop around ... no point in having a full westy that you are not allowed to
go camping in ...
you may choose not to .. but to be not allowed to ... that is different ...
i also do some work with an accredited marine surveyor so i am not simply
talking though my hat on this one
i am not a surveyor ... i simple do some work with him from time to time ...
mostly computer related stuff ...
but close enough to know some of the road blocks that may prevent 100%
satisfaction in the event of a loss
please let us know how this works out for you
yours
On Wed, May 19, 2010 at 2:42 AM, Frank Condelli <RAlanen@aol.com> wrote:
> In a message dated 18/05/2010 11:26:18 A.M. Eastern Daylight Time,
> LISTSERV@GERRY.VANAGON.COM writes:
>
> Paul, I'm using McLean Insurance over in Perth, see
> _www.McLeanInsuranceLive.com_ (http://www.McLeanInsuranceLive.com) ,
> 800-267-7928. They
> have been very good with us, our Westy, house and garage insurance. I had
> my van evaluated by Grandpa's Garage in Ottawa for $18,000 and the
> insurance has accepted those documents.
>
>
>
> >>>>>>>Any suggestions where one can get an insurance company that will
> give an =
> "Agreed Value" (19a) policy on an professionally appraised Westy. =
> Located in Toronto. Thanks in advance.<<<<<<<<
>
>
>
>
> Cheers,
>
> Frank Condelli
> Almonte, Ontario, Canada
> '87 Westy & Lionel Trains (_Collection for sale_
> (http://frankcondelli.com/trainsal.htm) )
> _Frank Condelli & Associates_ (http://frankcondelli.com/busindex.html) -
> Vanagon/Vanagon Westfalia Service in the Ottawa Valley
> _Vanagon Stainless Steel Exhaust Systems_
> (http://frankcondelli.com/exhaust.htm)
> _BusFusion_ (http://www.busfusion.com/) a VW Camper camping event,
> Almonte, ON, June 10 ~ 13, 2010
>
--
roger w
From Proverbs:
Under three things the earth trembles, under four it cannot bear up: a
servant who becomes king ...
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