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Date:         Tue, 21 Nov 2017 10:15:39 -0800
Reply-To:     David McNeely <davmcneely40@GMAIL.COM>
Sender:       Vanagon Mailing List <>
From:         David McNeely <davmcneely40@GMAIL.COM>
Subject:      Re: insurance
Comments: To: David Boan <>
In-Reply-To:  <>
Content-Type: text/plain; charset="UTF-8"

David, are you allowed to use the vehicle freely as you choose? I know you said that a part of the consideration on Progressive's part was that the vehicle is "used sparingly." Whenever I have tried to obtain an "agreed value" policy, it has always come with a restricted driving clause that I cannot accept, even though my van is also "used sparingly." For example, restricted to paved roads, in some cases restricted to being driven for club or show activities. Of course, I do not participate in such activities, and I do use my vehicle for camping. Further, I might (and occasionally do) want to run to the store in the van, perhaps pick up items I can't fit in my Prius. But I drive it generally less than 6K miles a year.

On Tue, Nov 21, 2017 at 9:31 AM, David Boan <> wrote:

> Here is an update on the insurance on my '85 Westy ... As far as > customizations, it was mainly a rebuilt engine and transaxle plus 16" > wheels and oil cooler with a few other comparatively minor additions > (second battery, built in battery conditioner, etc). I think the adjustor > over reacted as these make the vehicle safer./more reliable and reduce > risk, IMHO. > > > So, Progressive (via AAA) issued me a policy with an agreed value of $30k, > subject to verification with an appraisal. The $30k was my own estimate > based on a possibly optimistic opinion of what the vehicle might bring. I > can submit an appraisal now, or wait to see if there is an event that > results in the vehicle being totaled and then put together support for the > value. If I do not submit an appraisal they will do their own estimate, > not based on bluebook, which may or may not support that value. > > > I think one thing that helped is that I am the original owner and the > vehicle is always garaged and used sparingly. > > > David B. > > Boise > > ________________________________ > From: Dennis Haynes <> > Sent: Friday, November 10, 2017 1:26:14 AM > To: David Boan; vanagon@GERRY.VANAGON.COM > Subject: RE: insurance > > What customizations were you trying to get increased coverage for? While > an agent or customer service rep may have offered the coverage change you > may have gotten the attention as it went through the under writing process. > If the issue was just the collision or comprehensive overage they could > have just declined those coverages. For them to drop you indicates they do > not want to take the liability risk. > > Dennis > > > -----Original Message----- > From: Vanagon Mailing List [] On Behalf > Of David Boan > Sent: Thursday, November 9, 2017 5:56 AM > To: vanagon@GERRY.VANAGON.COM > Subject: insurance > > A month ago I decided I should update my insurance carrier, Geico, about > the customizations on my 85 westy. They agreed to increase the estimated > value for a few additional dollars. Then I got a letter that they no > longer considered my Westy insurable and are dropping coverage effective > the end of the month, no further explanation given. I am now searching > for other carriers. Just curious if anyone else has experienced this. Any > suggestions for a new carrier are appreciated. > > David B > Boise > > Get Outlook for Android< > com/? > adams30%40HOTMAIL.COM%7C0677aa7e60b34fc77e8d08d527607171% > 7C84df9e7fe9f640afb435aaaaaaaaaaaa%7C1%7C0%7C636458217574292938&sdata= > RjHy4PnsVR%2BsX8F2Ir9ZYtCZNjzGeMhusF%2BgvuWxyME%3D&reserved=0> >

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