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  #21  
Old December 22nd, 2010, 11:28 AM
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thomas
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Quote:
Originally Posted by jetmech View Post
USAA will insure it as a clasic but can only drive 2000 miles per year, must bee garage keep.
I also think you have to prove to them that you have another car as your primary transportation.
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  #22  
Old December 22nd, 2010, 11:40 AM
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Insurance is the primary reason why I required an NAS 110. I have full coverage on mine with USAA, and being a salvage restoration was a non-issue with them. I'm covered for $22k, but at some point down the line I may do more. I consider the balance as self insured.

In a total loss, that would suck for me, but I would replace with a non-NAS 110 now that they are more available. When I bought mine, it was before the 83's were legal.

USAA told me that as long as I have documentation/photo's, they would reimburse for loss of accessory components attached to the rig, which are significant in my case. In a total loss, I would make sure to transfer everything salvageable from the rig for installation in the new one. It would have to be pretty severe loss for my to have to junk everything. In most accident cases, and due to the beauty of the Defender, I would likely beable to rebuild in most cases...with a galvanized frame of course.
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  #23  
Old December 22nd, 2010, 12:21 PM
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Quote:
Originally Posted by evilfij View Post
Chubb and ACE are rich people insurance. You pay more, but you get top notch coverage and service. Me, I have allstate liability only and collector car insurance.

Either haggarty or grundy permits one day a week to work driving of a classic, although I have heard that they will not cover old land rovers as they are not collectable (prior to 1972 or so). It never really bothered me because a wrecked rover is not that huge of a write off (title parts etc being worth a fair bit on their own).

Ron

I am poor, unemployed, homeless, and drive a Prius, but I have ACE
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  #24  
Old December 22nd, 2010, 12:52 PM
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Quote:
Originally Posted by Viggen View Post
What kind of coverage do you have with Allstate? USAA wont do stated value and the associated insurance provider they work with wont insure it because it will be more than just an occasional driver.

Edit: USAA will insure it no problem but its a giant question mark as to what happens if there is a claim.
Same with Geico... which makes me nervous. I tried Allstate but they're saying that they will only "do it as a courtesy if you had other insurance policies with them". I guess I could move my VW over too, it just seems weird that I would need to.
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  #25  
Old December 24th, 2010, 11:59 AM
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Quote:
Originally Posted by Overlander View Post
USAA told me that as long as I have documentation/photo's, they would reimburse for loss of accessory components attached to the rig, which are significant in my case. In a total loss, I would make sure to transfer everything salvageable from the rig for installation in the new one. It would have to be pretty severe loss for my to have to junk everything. In most accident cases, and due to the beauty of the Defender, I would likely beable to rebuild in most cases...with a galvanized frame of course.
I will tell you first hand that that is complete BS. Having a modified truck in the past, they paid me absolutely nothing for any of the modifications done to it. I was T boned in an intersection and my truck, with 3" of lift, 32's, rack, etc... was a complete write off as I landed on my roof. They totaled the truck, I produced the receipts and proof of price for modifications and they did absolutely nothing with it. I was told if I wanted them, I would have to buy the truck back from them. I was given a limited amount of time to go to the junkyard, where they had the truck towed to, and get things like cd's, personal effects, etc... before it was officially theirs. I just wrote the entire truck off. They didnt even give me enough money to buy another truck of the exact same make/ model, in stock trim of course.

After talking to them on the phone, they said they can only insure it as a regular car, but with a questionable value. I asked if I could produce something to document worth in the event of an accident or of vehicle theft and their claims department answered that they would be beholden to KBB and my truck isnt in there and is therefore of questionable value. They connected me to their collectors insurance (it is not Hagerty but something like American Collectors, or something like that) and the moment I told them that I would be driving the truck on a regular basis, they said I was uninsurable. I guess I need to find a reliable company that wont charge an arm and a leg in premiums and will do stated value as USAA, usually tops in my book, are unwilling to do so. If I come out and my truck is gone, I want to know that I will be able to replace it and I do not as it sits right now with USAA.
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  #26  
Old December 24th, 2010, 12:46 PM
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Quote:
Originally Posted by Viggen View Post
I will tell you first hand that that is complete BS. Having a modified truck in the past, they paid me absolutely nothing for any of the modifications done to it. I was T boned in an intersection and my truck, with 3" of lift, 32's, rack, etc... was a complete write off as I landed on my roof. They totaled the truck, I produced the receipts and proof of price for modifications and they did absolutely nothing with it. I was told if I wanted them, I would have to buy the truck back from them. I was given a limited amount of time to go to the junkyard, where they had the truck towed to, and get things like cd's, personal effects, etc... before it was officially theirs. I just wrote the entire truck off. They didnt even give me enough money to buy another truck of the exact same make/ model, in stock trim of course.

After talking to them on the phone, they said they can only insure it as a regular car, but with a questionable value. I asked if I could produce something to document worth in the event of an accident or of vehicle theft and their claims department answered that they would be beholden to KBB and my truck isnt in there and is therefore of questionable value. They connected me to their collectors insurance (it is not Hagerty but something like American Collectors, or something like that) and the moment I told them that I would be driving the truck on a regular basis, they said I was uninsurable. I guess I need to find a reliable company that wont charge an arm and a leg in premiums and will do stated value as USAA, usually tops in my book, are unwilling to do so. If I come out and my truck is gone, I want to know that I will be able to replace it and I do not as it sits right now with USAA.

You got hosed. I wrecked my 93 911 (C2) Turbo in 2006. The car was insured with Progressive. First the base line value for a collectable car with 41k on the odometer was established. Then the modifications like wheels and tires,oversize intercooler,stainless free flow exhaust, adjustable wastegate, were all itemized and given value and some depreciation based on time on the car. I got letter from two shops that knew the car, stating their opinion of value for the car and had a check three days later. I was given the option of putting the stock wheels and tires back on the car or take what I had paid for the aftermarkets. I put the stock rubber back on.
I made money on that transaction. Still have the massive 300.35.18's on 3 peice wheels in a closet for some unknown reason
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  #27  
Old January 3rd, 2011, 06:52 AM
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I have my cars insured with AARP through The Hartford. The Hartford does antique and classic car insurance and I believe they also have the “agreed value” option.
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  #28  
Old January 3rd, 2011, 11:26 AM
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response from my local Allstate agent:

I was attempting to quote this for you and learned from my underwriter that we do not have a way to quote a grey market vehicle any longer. We are able to manually add these types of vehicles to existing policies, but we are no longer able to quote them on a new policy because of system limitations. I apologize but I just don't have a way to quote this (bummer).

This is getting really irritating. Who in the DC metro area has insurance with a larger company? Anybody want to post the rep's contact info?
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  #29  
Old January 3rd, 2011, 12:11 PM
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pm sent
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  #30  
Old January 6th, 2011, 05:33 PM
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Quote:
Originally Posted by tjfslaughter View Post
pm sent
Thanks for the contact Tom, but the rep you sent me wasn't able to help being outside of their served areas, etc.

However, Great success!

I was able to get actual-above-just-liability insurance for the Rover. After almost being hit by a cab and then being threatened by the driver that he'd "put a cap in my ass" for me crossing L street legally (and maybe cursing at him, can't be sure) while he power-slid through a red light from 17th st onto L street in a crown vic, I walked into a local Liberty Mutual office here in DC figuring it couldn't hurt to try.

PM me if you want the contact details of the representative I dealt with. I mentioned to him that more people with imported rovers in the DC area might be coming his way. I now have liability, comprehensive and collision with an agreed value on the vehicle. No appraisal necessary they tell me.
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  #31  
Old January 6th, 2011, 06:04 PM
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If one was to want to insure a truck, they should have Horsey do a search on this board. I know of a few agencies that are good to deal with.
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Are there shocks that I can addjust up and down like my friends LX460? That would be very cool!
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  #32  
Old January 6th, 2011, 06:06 PM
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Quote:
Originally Posted by bjf View Post
If one was to want to insure a truck, they should have Horsey do a search on this board.
I don't get it.
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  #33  
Old January 6th, 2011, 06:09 PM
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Meaning you always pull out the threads that answer things for people:
Who was looking for the part someone just listed
what trucks are for sale
Who needs brake rotors but refuses to admit he spends his money on accessories instead of the maintenance his truck really needs.

Things like that. I know that when I wanted a special policy for my hummer/prius I did a search on the board and my questions were answered.
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Are there shocks that I can addjust up and down like my friends LX460? That would be very cool!
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  #34  
Old July 19th, 2011, 04:24 PM
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Quote:
Originally Posted by hillstrubl View Post
Thanks for the contact Tom, but the rep you sent me wasn't able to help being outside of their served areas, etc.

However, Great success!

I was able to get actual-above-just-liability insurance for the Rover. After almost being hit by a cab and then being threatened by the driver that he'd "put a cap in my ass" for me crossing L street legally (and maybe cursing at him, can't be sure) while he power-slid through a red light from 17th st onto L street in a crown vic, I walked into a local Liberty Mutual office here in DC figuring it couldn't hurt to try.

PM me if you want the contact details of the representative I dealt with. I mentioned to him that more people with imported rovers in the DC area might be coming his way. I now have liability, comprehensive and collision with an agreed value on the vehicle. No appraisal necessary they tell me.
Welp, moved to PA and finding out after trying to change the policy's state that Liberty actually didn't really have it covered as an agreed value, in the event of a crash they'd do an appraisal to determine payment. Weird because SOMETHING must be used to determine the premiums?

Now I'm told that the only way to insure a vehicle thats not in the book (and not basic, low-end coverage) is antique plates/insurance.

Why is this so hard? People in PA, who do you have? Please PM/reply with insurance agent info. I'd like to stick with Liberty mutual as I don't want to switch again if i don't have to, but at this point I just want to be covered as I thought I was...

I don't have a problem getting an appraisal, but they're saying that would also only be for the antique path, anybody know what an appraisal costs?
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  #35  
Old July 19th, 2011, 04:56 PM
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I gave up and just went with USAA who I have had forever. I dont have a Rover but I do have an imported diesel Cruiser which doesnt exist in the US books at all. Ive got photos of the entire vehicle, a local specialist (Iron Pig) knows the truck and Im watching eBay for similar trucks that have sold and am going to save them for reference as to market value.
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  #36  
Old July 19th, 2011, 05:19 PM
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I have chubb, my truck is insured for $128 a year at 18k stated value, it is registered as a regular vehicle, no historic reg or plates

they required a picture of the exterior and suggested i get a formal appraisal
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  #37  
Old July 20th, 2011, 08:13 AM
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Generally most companies will do an agreed upon value, you just have to have it valued by an appraiser. I have my RRC insured that way, but make sure you find someone who knows Rovers well and don't expect to get exactly what you think it's worth out of the appraisal.
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  #38  
Old July 21st, 2011, 12:05 PM
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Quote:
Originally Posted by Viggen View Post
I gave up and just went with USAA who I have had forever. I dont have a Rover but I do have an imported diesel Cruiser which doesnt exist in the US books at all. Ive got photos of the entire vehicle, a local specialist (Iron Pig) knows the truck and Im watching eBay for similar trucks that have sold and am going to save them for reference as to market value.
I can't get USAA due to not being a service member
Quote:
Originally Posted by Naplm00 View Post
I have chubb, my truck is insured for $128 a year at 18k stated value, it is registered as a regular vehicle, no historic reg or plates

they required a picture of the exterior and suggested i get a formal appraisal
I'm in the process of working with a PA agent who is a chubb rep too.
She seems confident we can do this.
Thanks for the suggestion.
Quote:
Originally Posted by roverguy View Post
Generally most companies will do an agreed upon value, you just have to have it valued by an appraiser. I have my RRC insured that way, but make sure you find someone who knows Rovers well and don't expect to get exactly what you think it's worth out of the appraisal.
which company?

------ Follow up post added July 21st, 2011 12:38 PM ------

well, thats a no go.
short version, I need to own a $1M house and have an over $5000 policy premium to be able to get what I want.
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  #39  
Old July 21st, 2011, 02:53 PM
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Quote:
Originally Posted by hillstrubl View Post
I can't get USAA due to not being a service member


I'm in the process of working with a PA agent who is a chubb rep too.
She seems confident we can do this.
Thanks for the suggestion.

which company?

------ Follow up post added July 21st, 2011 12:38 PM ------

well, thats a no go.
short version, I need to own a $1M house and have an over $5000 policy premium to be able to get what I want.
I have Nationwide for both my RRC and IIa. I had to have appraisals done on both and mail them the paperwork, but its worth it. I also have OEM parts replacement on my Discovery.
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  #40  
Old July 22nd, 2011, 01:17 PM
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Amica

I have Amica, full coverage, $190 year for a 1984 90. It took them a while to figure it out, but it was no problem. I am in New Hampshire USA.
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