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Classic Cars Classic Cars as daily drivers
552 messages, Last post on May 11, 2009 at 8:03 AM
You are in the Classic Cars Forum. Your Host is mr_shiftright
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Replying to: Mr_Shiftright (Mar 15, 2006 6:21 pm) 
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is "fleet" insurance? A few years back, there was a guy who lived behind my grandparents house who worked on old cars, always had a bunch of parts cars around, and had a few classics of his own. I remember the term "fleet" insurance coming up as to how he could afford it. Is it just another word for an insurance policy where one driver has a lot of cars on it? Essentially like what I have? Or is there something more to it?
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Replying to: andre1969 (Mar 20, 2006 7:57 am) Sure, if you have a collection of cars, the insurance company gives you a break sometimes... |
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Replying to: andre1969 (Mar 20, 2006 7:57 am) |
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Replying to: chevytruck_fan (Mar 18, 2001 11:52 pm)   "> 
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I would worry too much. If some idiot were to run into that 1960 Plymouth and wreck the grille and fromt fenders, they would be near impossible to find replacements. And, the shops don't want to work on old cars. |
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I just got a quote for FULL coverage on my 1970 Coup Deville convertible with up to $15,000.00 in repairs for UNDER $190.00 (USD) a year for this car! 
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Replying to: reallandyacht (Jul 04, 2006 8:13 am)
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Replying to: Mr_Shiftright (Jul 04, 2006 8:17 am) from what I understand - it does NOT matter with the ACTUAL quote I just got a couple weeks ago ... I can be anywhere with it .... why would they DEPRIVE you of the use of your classic?
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right now I think I pay about $178 a year for my '57 DeSoto, '67 Catalina, and '68 Dart combined. I forget what I had them set the value of each one at, but I think combined the three are insured for close to $20,000. As for use, here's what my company says on the subject... "vehicles that are used on an occasional basis -- e.g. club functions, exhibitions, organized meets, tours and limited pleasure driving." And then there's this little blurb... "Each licensed household driver needs to have a regular-use vehicle for daily driving and must maintain regular-use insurance in his or her own name." Also, if you have historic tags on your car, how you can use it is also going to be dictated by your local dept of motor vehicles. Many areas only allow you to drive in on holidays and weekends, to club functions, or necessary things like to the gas station, repair shop, etc. I think some areas do put on mileage restrictions as well, as do some insurers, but it'll vary by jurisdiction and insurer. For instance, in Maryland I don't think there's a mileage limit. At least, I've never had to record my mileage and give it to anybody. My insurer has never asked me to update my mileage either.
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