insurance co declines 110 - Defender Source
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  #1  
Old April 25th, 2008, 07:23 PM
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insurance co declines 110

My agent has my cars with a company named Montgomery Mutual which recently became Ohio Mutual. After about three months of asking questions and taking pictures the company came back saying they didn't want to insure the 110. The reason quoted was that it had been modified to wade through deep water (they saw the snorkle in the pictures). They had asked three times if this was a former military vehicle. The agent frantically went out seeking coverage for a rhd gray market truck and got me insured with Hagerty- the hot rod and exotic car insurer. With a stated value of 20k and full coverage the policy is less than $475 a year. I thought that was a great rate considering I live in a major metropolitan area.
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  #2  
Old April 25th, 2008, 08:15 PM
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that is a great rate. good info, thanks.
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  #3  
Old April 27th, 2008, 12:17 PM
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Make sure that the Haggerty covers you off road, I checked in with them after they sponsored The British car day they sponsored but didn't get use them for my policy because the coverage did not cover the vehicle off the pavement.

I use Cotton States, they have good rates and my comprehensive policy on my 110 is very reasonable.
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  #4  
Old April 28th, 2008, 09:21 AM
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Quote:
Originally Posted by landrovered
Make sure that the Haggerty covers you off road, I checked in with them after they sponsored The British car day they sponsored but didn't get use them for my policy because the coverage did not cover the vehicle off the pavement.
That is correct. They WILL NOT cover off-road use. I used to use Hagerty on my old roadster and thought I'd use them on the 110 until they told me that.
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  #5  
Old April 28th, 2008, 10:31 AM
Eric Siepmann
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Not a bad catch on the underwriter's part. Surprising, given how the P&C market is so soft.

EwS
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  #6  
Old April 28th, 2008, 11:32 AM
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So who do you guys that have gray market trucks have your cover age with ? Hagarty isn't going to do me any good if they don't cover the vehicle leaving the pavement....
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Old April 28th, 2008, 12:11 PM
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I use American Collectors Insurance under USAA for all my old Jeeps. Although I never did ask if they cover off-road use
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  #8  
Old April 28th, 2008, 12:17 PM
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I don't think any company covers it, do they?

I know in all my policies (company and personal) off road use is not covered, not on my Rovers, my motorcycle or buggy.
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  #9  
Old April 28th, 2008, 12:36 PM
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My insurance company just says something similar to "Off road racing is not covered" ... nothing in their terms about unmaintained state roads, trails, etc..

I know of some people who have rolled their trucks offroad and insurance have covered it.
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  #10  
Old April 28th, 2008, 12:39 PM
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I personally wouldn't claim body damage from off roading. No point having my rates go up for something that is totally my fault and avoidable. I smacked my fender last year at Uwharrie, but I certainly didnt call my insurance company.
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Old April 28th, 2008, 01:15 PM
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Quote:
Originally Posted by ECR
I don't think any company covers it, do they?

I know in all my policies (company and personal) off road use is not covered, not on my Rovers, my motorcycle or buggy.
State Farm covers off road. No questions asked. I was nervous calling in the claim, but at the end of the day, the body shop really impressed me and State Farm picked up the bill less my deductible.

Read the policy carefully. It will clearly state your coverages. Look for endorsements (changes in coverages for specific items) as well. No policy language excluding it and no endorsement and your covered on or off highway.

Questions, ask your agent. They should know waht they are selling.
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Old April 28th, 2008, 01:17 PM
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Quote:
Originally Posted by JimC
I personally wouldn't claim body damage from off roading. No point having my rates go up for something that is totally my fault and avoidable. I smacked my fender last year at Uwharrie, but I certainly didnt call my insurance company.
I hear ya, I whacked my passenger side door hard into a tree... I managed to find a replacement door, same color for $75 .... definitely a lot cheaper them premiums going up.
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  #13  
Old April 28th, 2008, 02:27 PM
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Hagarty is out- they require the vehicle be kept in a locked garage when not in use. & wanted to make sure I was aware truck is not covered once it leaves the pavement even if a tree falls on it.
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  #14  
Old April 28th, 2008, 02:58 PM
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Call up an insurance broker... they usually deal with many different insurance companies, they should be able to point you in the right direction.
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Old April 28th, 2008, 03:09 PM
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  #16  
Old April 28th, 2008, 03:13 PM
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Scott,

Been dealing with "broker" thats why I have been getting somehwat of a run around. The current policy expires tonight @ midnight and they have been telling me each company's reason for not insuring the truck. I called the local Allstate agent who called his underwriter and had the thumbs up and a quote in less than an hour. So I gave the "broker" a "come to Jesus" or loose the business call. Been with these people for 10 years.
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