<VV> Classic Car Insurance

[Bill Elliott]

Correct on both counts. A classic insurance policy doesn't cover a daily 
driver and a standard insurance company (if they will cover anything 
more than liability alone) will be both very expensive and lacking in 
coverage.

As long as you can meet the other requirements (storing in a locked 
garage) you can use another car as your daily driver and choose a 
classic policy that is a little more liberal... one that does not forbid 
your driving to work and/or other driving, but one that says you cannot 
routinely use the car that way. I'm seen some people run both standard 
liability through a conventional policy then a full collector policy to 
better protect the value of the car (though the collector insurance may 
not pay off if the situation of the loss is in conflict with the 
policy... but it's a cheap way to at least have a chance.) There is 
apparently not much fear of a collector policy not paying off on a 
liability claim, so this dual policy practice is likely overkill (and I 
don't practice it... but I don't have a normal commute to work, either.)

I use Rally ( rallyinsurance.com ) and have been VERY happy with the 
price and service, though I've yet to have a claim.

Bill

KBOOSMAN at nc.rr.com wrote:

>Since I'm new to Corvairs, this may be a question that has been asked 
>before, but do most of you have "classic" car insurance on your cars 
>(as opposed to regular insurance). I've been looking into it, but 
>since I wanted to use my car as a daily driver, it doesn't look like I 
>can insure it with a classic car company. Yet, I'm afraid that my 
>standard insurance company won't reimburse me the true worth of the 
>car.
>
>Any advice?
>
>Karin
>(1964 MonzaSedan)
>
>  
>


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