Insurance on a 110? - Defender Source
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  #1  
Old January 26th, 2015, 12:03 PM
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Brent McDonald
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Insurance on a 110?

Hello All,
I am taking delivery of a restored LHD 1988 110 SW this week and am looking for recommendations on insurance. I am with USAA now but they are not able to insure at the market value. How have you all gotten yours insured? Any recommended carriers that recognize the value of these trucks?
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  #2  
Old January 26th, 2015, 12:06 PM
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I have an agreed value, classic car policy thru State Farm. I think others here use Haggerty.

I searched "insurance" in the search link above and found a good thread on the subject:
http://www.defendersource.com/forum/...ight=Insurance
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  #3  
Old January 26th, 2015, 12:07 PM
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Derek Chace
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I have Progressive for the ones I drive a lot and Hargerty for the stuff I don't or of collector value. I cant recommend Hargerty enough
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  #4  
Old January 26th, 2015, 12:35 PM
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thomas
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Call USAA back and ask them to transfer you to the collector policy. Great rates for agreed policy. You must have another car and garage. 800-521-8111
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Old January 26th, 2015, 01:05 PM
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barry f
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Quote:
Originally Posted by tjfslaughter View Post
Call USAA back and ask them to transfer you to the collector policy. Great rates for agreed policy. You must have another car and garage. 800-521-8111
How many miles can you put on it?
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Old January 26th, 2015, 01:10 PM
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Not sure on mileage but when I talked to USAA collector car insurance "can be used to go to shows and club oriented things. But not for its intended usage, I. E. Off road."
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Old January 26th, 2015, 01:13 PM
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Quote:
Originally Posted by Brentflyfish View Post
I am with USAA now but they are not able to insure at the market value. How have you all gotten yours insured? Any recommended carriers that recognize the value of these trucks?
What's the market value?
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I am talking purely from an aesthetics standpoint.
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  #8  
Old January 26th, 2015, 01:22 PM
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Bill Adams
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Pretty sure that you won't find a collector car insurer who will underwrite a vehicle that even appears to be able to drive off-road. Unless maybe you are hoodwinking them by saying you don't drive off road...even then...
I am just going with super cheap liability-only on the 2A. I tried to get agreed value, but they reneged after seeing that it was a 4wd.
I figure if I wreck it, i'll fix it. That is if I am able...
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  #9  
Old January 26th, 2015, 02:17 PM
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Brian
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Quote:
Originally Posted by xplorUtah View Post
Not sure on mileage but when I talked to USAA collector car insurance "can be used to go to shows and club oriented things. But not for its intended usage, I. E. Off road."
FWIW - This was my experience with USAA collector car insurance as well, plus they capped the miles (I don't remember exactly how many, but it wasn't much) and specifically said it could not be driven to work on a daily basis. Driving to work "every now and then" was OK as long as it was under the annual mileage cap, but not every day.

Got the same response from Allstate.

Have not yet found a company that will provide an "agreed-upon or stated" value with daily use driving, so as mentioned, simply carrying liability coverage as required and doing your own fixes is one alternative.

YMMV.

- brian
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  #10  
Old January 26th, 2015, 02:44 PM
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Jason Zolezzi
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I have a Safeco collector car policy. The limit is 3000 miles a year, that is easy enough to deal with. They didn't ask if it was 4 wheel. I am not so worried about trail damage as I am theft. If i do something stupid I will fix it but if it disappears from a parking lot I am covered for 40K. The best thing to do is go to a good appraiser and have pictures and adds for a comparable vehicle to cover your ass if something goes south.
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  #11  
Old January 26th, 2015, 02:59 PM
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A friend has his NAS 90 with Travelers for agreed/stated value ($40K if I recall).

I've run my 1971 IIA with Hagerty with no problems at all. However, Hagerty will NOT insure any 4wd newer than 1985, so you're out of luck there.
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  #12  
Old January 26th, 2015, 10:01 PM
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Brent McDonald
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USAA will not let me use the truck for anything other than shows. I want to use it as a family adventure truck for hunting, camping, fishing, etc. I have it covered now under USAA but not with an agreed value policy, just my traditional policy. I will check out some of these others. Thanks.
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  #13  
Old January 27th, 2015, 12:02 AM
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Try AAA. Called a couple of other insurance companies (including my then existing one that had every reason to keep my business). Wouldn't touch my '85 ROW due to 'unacceptable risk' or tried to sell me restrictive collectors car insurance.

AAA gladly took my business - with full understanding it's a gray market import. Not some nonsense collector's policy either - regular daily driver insurance.

One thing however, AAA is run as regional subsidiaries so YMMV depending on your local policy.

Edit - I had mine insured for what I paid for it and not a penny more - no questions asked. Not sure if they'll sing the same tune with some of the prices being touted for the nicer specimens.
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  #14  
Old January 27th, 2015, 12:09 AM
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Quote:
Originally Posted by Brentflyfish View Post
USAA will not let me use the truck for anything other than shows. I want to use it as a family adventure truck for hunting, camping, fishing, etc. I have it covered now under USAA but not with an agreed value policy, just my traditional policy. I will check out some of these others. Thanks.
I have a 7k mile a year policy. I specifically asked about hunting fishing etc. They put me through to one of the collector policies and set me up.
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  #15  
Old January 27th, 2015, 01:31 AM
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When I lived in TN, I used Farm Bureau. Now, I didn't have my Land Rover then, but it is worth a shot. My UK insurance for my Land Rovers and other cars through USAA is pretty cheap and I was very surprised.

Cheers.
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