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  #1  
Old June 2nd, 2011, 05:07 PM
taylo951
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Matt Taylor
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Best Insurance Company

Anyone have suggestions on which company insures the best? USAA refers you to a 3rd party, and I've seen commercials for Haggarty. Who do you guys use? Which company deals with the weird values of Defenders best in claims process?
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  #2  
Old June 2nd, 2011, 05:11 PM
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http://www.defendersource.com/forum/...ad.php?t=28915
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  #3  
Old June 2nd, 2011, 05:45 PM
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USAA doesn't refer you to a third party - are you sure they didn't mean homeowners insurance?
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  #4  
Old June 2nd, 2011, 06:17 PM
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My 110 is covered by USAA as well. No third party. It was also very easy to get the defender added to my policy.
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  #5  
Old June 2nd, 2011, 06:22 PM
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USAA does third party if you want anything above standard value insurance. If you want agrede value coverage, like the $40k on my '83 110, then they send you to a third party.
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  #6  
Old June 2nd, 2011, 06:26 PM
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thomas
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Quote:
Originally Posted by rijosho View Post
correct. I am a fan of Chubb in insurance. I have USAA on other policies. USAA offered to cover my truck for 10k.... I think it is worth a little more than that. So I have an Agreed Policy with Chubb.
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  #7  
Old June 3rd, 2011, 03:22 AM
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Clay DeWan
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Wawanessa. Only the best. They are great for home and auto. We pay $810 for SoCal homeowners with the earthquake rider. I think I pay about $600 for the 90 for full coverage and you can take the car to them an increase your insurance coverage if you do mods etc. so that just in case you are in a wreck you recoup your funds.
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  #8  
Old June 3rd, 2011, 06:01 AM
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Tony Sims
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I don't think Defenders are old enough for Hagerty. I had my 70's Alfa and BMW with them, but I had an '81 BMW and they wouldn't take it.
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  #9  
Old June 3rd, 2011, 08:11 AM
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kevin
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Quote:
Originally Posted by taylo951 View Post
Anyone have suggestions on which company insures the best? USAA refers you to a 3rd party, and I've seen commercials for Haggarty. Who do you guys use? Which company deals with the weird values of Defenders best in claims process?
What, do you live under a rock

Chubb is very good and used to be the only real choice for collectible cars. Now there are many alternatives.
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  #10  
Old June 3rd, 2011, 08:36 AM
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I went with Liberty Mutual after going around to 3 or 4 different companies, I have an agreed value policy.

FYI State Farm doesn't insure RHD (not sure if yours is)
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  #11  
Old June 3rd, 2011, 11:18 AM
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Quote:
Originally Posted by CDeWan View Post
We pay $810 for SoCal homeowners with the earthquake rider.
Really? !
Sent you PM.
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  #12  
Old June 3rd, 2011, 01:18 PM
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Haggerty won't cover the NAS Defender. I have my Shelby with them but they wouldn't even offer anything on Defenders. I have progresive currenlty use progressive but may shop around more.
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  #13  
Old June 3rd, 2011, 03:08 PM
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Craig Dickson
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I have my insurance through Costco, which put me with IDS Insurance out of Wisconsin. Good rates, and when I was broadsided by a drunk a%%hole they let me go to any body shop I wanted and covered everything with no questions.

They didn't even blink an eye when it was $3,000 to fix a door. I normally don't like dealing with people over the phone, but the claims rep in Wisconsin was very helpful.
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  #14  
Old June 3rd, 2011, 03:36 PM
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Quote:
Originally Posted by Wolf Fabrication View Post
USAA does third party if you want anything above standard value insurance. If you want agrede value coverage, like the $40k on my '83 110, then they send you to a third party.
If you dont mind?
How much does that cost you?

I have USAA but only the normal....living on the edge
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  #15  
Old June 3rd, 2011, 03:52 PM
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Ian Gregory
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USAA cover/finance NAS 90s no problem up to their book value (they told me their book was mid to high 20s a couple of years ago for my 97). If its not NAS (no book) or worth a lot more than book then you'll have to go somewhere else for an agreed value.
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  #16  
Old June 4th, 2011, 07:02 PM
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Daniel Smith
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My 1986 ROW 110 is insured by USAA and it's still on a boat coming from Bahrain. When I called to have it added to my policy, I just had to tell them what I thought it was worth.
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  #17  
Old June 4th, 2011, 08:48 PM
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Not true. Find a different agent that's not afraid of a bit of extra legwork.

Quote:
Originally Posted by hillstrubl View Post

FYI State Farm doesn't insure RHD (not sure if yours is)
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  #18  
Old June 5th, 2011, 09:40 AM
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Danny
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yeah thats what I figured, but after 4 or 5 reps telling me the same thing I found a liberty mutual one that didn't have an issue and gave up with State Farm.

I found a bunch of threads about it relating to imported japanese cars having issues with state farm, so when I blatantly asked each rep said "no sorry, right hand drive not covered".
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  #19  
Old June 5th, 2011, 06:26 PM
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State farm insured my rhd uk 90
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  #20  
Old June 5th, 2011, 11:34 PM
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Clark Bowen
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try Amica.....consistently rated number one by Consumer Reports.
They are a direct writer so go online to reach them. There are no commissioned agents.
Amica is the best insurance company I've used or been with. My father was an insurance agent and I worked with him for a few years and there are significant differences between companies: Everything from smart or dumb underwriting standards to willingness to pay claims and fairness when they do. Until you've had a claim you do not know how good your company is so look at Consumer reports to see what respondents say about your company.

Note: Chubb was charging the previous owner of our house $4,800/year for homeowners insurance (it is 150 year old historic home) and Amica charges us $575 for more substantially more coverage, so I'm not a big Chubb fan.
In this day and age do you really need an agent? The agent for the previous owner of our house (92 years old) should be shot for keeping her with Chubb, but 7-10% of $4,800 is much better than finding a lower rate.
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