Recommendations for Classic Car Insurance? - Defender Source
Defender Source  

Go Back   Defender Source > Defender & Series Technical Discussions > Defender Technical Discussions


Reply
 
Thread Tools
  #1  
Old July 9th, 2014, 02:31 PM
BrianMD's Avatar
BrianMD
Status: Offline
Brian Mark
1995 Defender 90 NAS
Member
 
Join Date: Aug 2013
Location: Shrewsbury, NJ USA
Posts: 43
Registry
Recommendations for Classic Car Insurance?

Hi Guys! I was wondering if anyone out there has any experience with Classic Car Insurance. I'm looking into getting it for my 1995 Defender 90 we recently restored. In addition to the bonus of lower insurance (since its not my daily driver), I would mainly like the benefit of insuring it for its actual value.

1) Does a '95 qualify? I understand QQ plates in NJ require the truck be 25 years of age, but does that also apply for the insurance?

2) If it depends on the insurance company, does anyone know of one that will take a truck that is 19 yrs old?

Any recommendations or advise super appreciated.

Thanks,
Bri
Reply With Quote
Sponsored Links
Advertisement
 
  #2  
Old July 9th, 2014, 02:34 PM
Rocky's Avatar
Rocky
Status: Online
Chris
72 + D1 drivetrain
Member
 
Join Date: Sep 2006
Location: Colonies Aka Boston
Posts: 8,769
While the State may consider it a classic car, insurers have different attitudes. You can probably just add it to your regular insurance, albeit with a mileage limitation.
__________________
A friend of mine runs a land rover / range rover specialty repair shop. Based on his experience, they are capable of stopping anywhere, anytime, at any cost.

I don't know about the brakes, only their unreliability.
Reply With Quote
  #3  
Old July 9th, 2014, 02:35 PM
tjfslaughter's Avatar
tjfslaughter
Status: Offline
thomas
Burbon
Member
 
Join Date: Feb 2010
Location: NorthEast
Posts: 4,563
Quote:
Originally Posted by BrianMD View Post
Hi Guys! I was wondering if anyone out there has any experience with Classic Car Insurance. I'm looking into getting it for my 1995 Defender 90 we recently restored. In addition to the bonus of lower insurance (since its not my daily driver), I would mainly like the benefit of insuring it for its actual value.

1) Does a '95 qualify? I understand QQ plates in NJ require the truck be 25 years of age, but does that also apply for the insurance?

2) If it depends on the insurance company, does anyone know of one that will take a truck that is 19 yrs old?

Any recommendations or advise super appreciated.

Thanks,
Bri



PM me if you want a NJ contact. http://www.americancollectors.com/Co...le-Qualify/29/ I am very happy with the policy I just got from them.
__________________
Reply With Quote
Sponsored Links
Advertisement
 
  #4  
Old July 9th, 2014, 07:01 PM
richord
Status: Offline
Richard Ordowich
1987/D90
Member
 
Join Date: Feb 2014
Location: Princeton, NJ USA
Posts: 209
Registry
I looked at the rates offered by the various classic car insurers but I just added it to my current policy for less. My truck is a 1987 and I usually take a high deductible to keep the rates lower. I did the same for my Shleby Cobra replica.
Reply With Quote
  #5  
Old July 9th, 2014, 07:15 PM
Angus's Avatar
Angus
Status: Offline
Mike Ferguson
1994 Defender 90
Member
 
Join Date: Nov 2013
Location: Philly Area
Posts: 173
Registry
I use American Collectors also for my E-Type. Never had a claim, but the rates are quite good for an agreed value policy.

Angus
__________________
Angus
Reply With Quote
  #6  
Old July 9th, 2014, 07:30 PM
The Dro
Status: Online
Dro
1988 Ninety
Member
 
Join Date: Jan 2010
Location: Annandale, VA
Posts: 6,689
Registry
I use Hagerty with agreed value.
__________________
Mine is NTO... It was new, Now I'm Taking it Off.
Quote:
Online speculation will not replace onsite inspection.

To view links or images in signatures your post count must be 10 or greater. You currently have 0 posts.


To view links or images in signatures your post count must be 10 or greater. You currently have 0 posts.


To view links or images in signatures your post count must be 10 or greater. You currently have 0 posts.
Reply With Quote
  #7  
Old July 9th, 2014, 09:25 PM
MGPete's Avatar
MGPete
Status: Offline
Pete C
'95 D90 SW
Member
 
Join Date: Aug 2011
Location: South Jersey
Posts: 177
Registry
I will hop on the American Collector bandwagon, located in Cherry Hill. I have my '95 NAS D90 insured with them for an agreed value, with the ability to use the truck regularly, not as restrictive as my other classics, and I am happy with the policy and customer service.
Reply With Quote
  #8  
Old July 9th, 2014, 09:52 PM
nathanwind's Avatar
nathanwind
Status: Offline
Jason Lavender
88-90-127-LR3
D-90 Source Vendor
 
Join Date: Jan 2008
Location: Saratoga NY
Posts: 8,741
Registry
Anyone want to share some of the rates they are seeing for insuring their Defender with American Collectors?
__________________
Jason Lavender
'71 Series IIA
'88 127 #F96 DKN
'94 90 NAS #324
'06 LR3 HSE

To view links or images in signatures your post count must be 10 or greater. You currently have 0 posts.


To view links or images in signatures your post count must be 10 or greater. You currently have 0 posts.

(10% discount for DSource members, use coupon code "D90")

To view links or images in signatures your post count must be 10 or greater. You currently have 0 posts.


To view links or images in signatures your post count must be 10 or greater. You currently have 0 posts.
Reply With Quote
  #9  
Old July 12th, 2014, 09:12 AM
AnnArborYellow
Status: Offline
David
1995 NAS Defender 90
Member
 
Join Date: Jan 2014
Location: Michigan
Posts: 4
For a D90?

Quote:
Originally Posted by The Dro View Post
I use Hagerty with agreed value.
Do you use Hagerty for a classic or your Defender? I use Hagerty for my classics but was told the 1995 D90 didn't fit their criteria.
Reply With Quote
  #10  
Old July 12th, 2014, 09:22 AM
nathanwind's Avatar
nathanwind
Status: Offline
Jason Lavender
88-90-127-LR3
D-90 Source Vendor
 
Join Date: Jan 2008
Location: Saratoga NY
Posts: 8,741
Registry
Quote:
Originally Posted by AnnArborYellow View Post
Do you use Hagerty for a classic or your Defender? I use Hagerty for my classics but was told the 1995 D90 didn't fit their criteria.
Confirmed, they won't do Defenders newer than 1985 unless they are part of a historical "collection" (such as a group of military vehicles). And you need to be the one owning the "collection".

You may want to try American Collectors, Travelers, or Chubb.
__________________
Jason Lavender
'71 Series IIA
'88 127 #F96 DKN
'94 90 NAS #324
'06 LR3 HSE

To view links or images in signatures your post count must be 10 or greater. You currently have 0 posts.


To view links or images in signatures your post count must be 10 or greater. You currently have 0 posts.

(10% discount for DSource members, use coupon code "D90")

To view links or images in signatures your post count must be 10 or greater. You currently have 0 posts.


To view links or images in signatures your post count must be 10 or greater. You currently have 0 posts.
Reply With Quote
  #11  
Old July 12th, 2014, 10:33 AM
Jackie Treehorn's Avatar
Jackie Treehorn
Status: Offline
A
1985 (legitimately)
Member
 
Join Date: Jun 2011
Location: Massachusetts
Posts: 1,984
Registry
Quote:
Originally Posted by The Dro View Post
I use Hagerty with agreed value.
Hagerty no longer insures 4x4s under 30 years. They used to from what I've been told.
I recent inquired about insurance on a '94 RRC.
Otherwise for "other" classics the cut line is 20-years.
A rep tells me they are working on that and may be accepting policies on 20-year old Defenders in the near future, but not right now.
Reply With Quote
  #12  
Old July 12th, 2014, 11:12 AM
rijosho's Avatar
rijosho
Status: Offline
Joshua
1995 Black ST - Rhinolined edition
Research Assistant/Eagle Eyes
 
Join Date: Apr 2009
Location: NYC
Posts: 16,557
Registry
Quote:
Originally Posted by The Dro View Post
I use Hagerty with agreed value.
For the minivan?
__________________
Quote:
I am talking purely from an aesthetics standpoint.
Reply With Quote
  #13  
Old July 13th, 2014, 07:52 PM
SGS714's Avatar
SGS714
Status: Offline
Scott Striglos
3xRRC 2xD90 2xD110 Series II, IIA
Member
 
I worked with an independent agent last week to insure.
A; 95 RRC LWB with 3.0L TDI and R380 Value 21k
B: 95 RRC SWB 78k miles Value 13k
C: 94 D90 NAS Nothing British in the drivetrain and tweaked for off-road Value 30k
D; 93 D110 NAS all original Value 95k
He went with Progressive 2k deductible, and above stated actual values; Told him I drive them all and have different truck I insure via my office for 65% of my driving.
$3200yr
I bailed on my other insurance company and quickly wrote him a check.
Reply With Quote
  #14  
Old September 5th, 2014, 04:30 PM
Mes788
Status: Offline
Mike S
110
Member
 
Join Date: Jan 2014
Location: Naples, fl
Posts: 8
Registry
Insurance for 1986 Defender 110

I have been searching for a policy and used your recommendations and approached Hagerty & American Collectors. Hagerty stated they only insure under 1985 and American Collectors stated they only do collectible cars and a defender does not fit.

Any other recommendations?
__________________
Mike S.
Naples, FL.
Reply With Quote
  #15  
Old September 5th, 2014, 04:36 PM
NPT90's Avatar
NPT90
Status: Offline
JT
D90 óriginalé
Member
 
Join Date: Apr 2011
Location: DC/MD
Posts: 2,772
Registry
Quote:
Originally Posted by Mes788 View Post
I have been searching for a policy and used your recommendations and approached Hagerty & American Collectors. Hagerty stated they only insure under 1985 and American Collectors stated they only do collectible cars and a defender does not fit.

Any other recommendations?
geico, I've said it before and I'll say it again, add a bunch of 'improvements' basically anything you've bolted on and in the case of an accident you should be covered.
Reply With Quote
  #16  
Old September 5th, 2014, 04:37 PM
TDI Guy's Avatar
TDI Guy
Status: Offline
Randy
2015 LR4
D-90 Source Vendor
 
Join Date: Sep 2003
Location: NJ
Posts: 4,573
Registry
Hagerty is great

------ Follow up post added September 5th, 2014 04:38 PM ------

Hagerty
__________________
Legend in My Own Mind.
Reply With Quote
  #17  
Old September 5th, 2014, 04:55 PM
Mes788
Status: Offline
Mike S
110
Member
 
Join Date: Jan 2014
Location: Naples, fl
Posts: 8
Registry
Quote:
Originally Posted by TDI Guy View Post
Hagerty is great

------ Follow up post added September 5th, 2014 04:38 PM ------

Hagerty

that's what i've been told however they only insure 1985 and under. trying the geico route now.
__________________
Mike S.
Naples, FL.
Reply With Quote
  #18  
Old September 5th, 2014, 07:36 PM
pdz's Avatar
pdz
Status: Offline
paul tj deasey
1994 D90 - #795
Member
 
Join Date: Aug 2013
Location: Baltimore, MD
Posts: 119
I have a friend that works for state farm and gave me a quote for fix value policy for my 94 nas. He could do one under their antique vehicle policy due to the low volume of production even though its not 25 years old, which is how they normally work. I ended up not taking it due to it increasing my rate because you can't have it with muti-car discount. Its something to look into though for anyone interested.
Reply With Quote
  #19  
Old September 5th, 2014, 11:38 PM
Green Blood's Avatar
Green Blood
Status: Offline
Carl Phillips
1988 90- Swiss LHD 2.5 Petrol
Member
 
Join Date: Feb 2009
Location: Franklin, TN
Posts: 198
I ended-up going with Grundy after checking into several of the companies that would do agreed value policies. I tried Haggerty initially but they will not cover Land Rovers in their fixed-value collector policies.

The quote I got from Grundy for $28K in coverage was about half the cost of American Collectors for the same fixed value policy with similar restrictions. And yes, this is a collector vehicle policy which is fine with me since my truck is only a weekend driver.

I think I pay a bit under $250 for the year.

Hope this is useful.
__________________
Proud restorer and former owner of '94 NAS D90 #590- back in the hands of its original owners.

And now happy owner of a 1988 Swiss-Market D90 Station Wagon.
Reply With Quote
  #20  
Old September 7th, 2014, 11:44 PM
BrianMD's Avatar
BrianMD
Status: Offline
Brian Mark
1995 Defender 90 NAS
Member
 
Join Date: Aug 2013
Location: Shrewsbury, NJ USA
Posts: 43
Registry
Quote:
Originally Posted by nathanwind View Post
Confirmed, they won't do Defenders newer than 1985 unless they are part of a historical "collection" (such as a group of military vehicles). And you need to be the one owning the "collection".

You may want to try American Collectors, Travelers, or Chubb.
I was able to get my 1995 NAS Defender 90 Insured last month as a 'Antique/Classic' vehicle through J.C. Taylor.

The Agreed Value: $75,000
Annual Insurance Cost: About $1100 (I'm single male w/ a few points on license)

Hope this helps! Good luck
Reply With Quote
Reply

Lower Navigation
Go Back   Defender Source > Defender & Series Technical Discussions > Defender Technical Discussions

Tags
classic, insurance

Thread Tools

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off


Similar Threads
Thread Thread Starter Forum Replies Last Post
Car Insurance Options for ROW trucks Glenn_Guinto Misc. Chit-Chat 15 January 27th, 2014 05:45 PM
Insuring a restored '83 defender/classic car or truck BEIS Misc. Chit-Chat 25 October 12th, 2009 08:54 AM
CAR COVER - D90 Advice/Recommendations? pcscharfe Wanted 8 March 6th, 2006 12:30 PM
car insurance roverboy Defender Technical Discussions 3 September 8th, 2005 12:46 PM
looking for recommendations for car cover for d90 st DBZ2009 Defender Technical Discussions 1 October 20th, 2003 07:31 PM


All times are GMT -5. The time now is 03:13 PM.


Copyright