Subject	You may NEVER drive it to work, among other banned trips
Posted by	aLL_youR_Z_aRe_beLOnG_tO_uS on May 03, 2014 at 8:39 AM
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In Reply To	On the fence about switcing to collectable car insurance. posted by Metacom on May 01, 2014 at 07:05 PM
Message	If you do drive it to work, and you get into a wreck, they will definitely not pay any claim. Collectible car insurance is basically for trailer queens, garaged only, and "pleasure drive, never stop and get out, and then you go back home cars" only. If you are going to stop somewhere and either get out of the vehicle, or park it and leave it (for any amount of time) or have the intentions of doing this, your claims will be immediately denied. If you do go this route, ask a LOT of questions, for example, I wanted to insure a vehicle with Hagerty and made the mistake of mentioning I might drive it to work once or twice a month, they actually put an immediate ban on me for a whole year and I couldn't insure anything with them simply because I used the words "drive to work". You can not drive a collector car to work ever, and I mean not even one time and be covered. Same thing goes for the grocery store, or the post office, or anywhere basically you can't drive and park your car unattended or you are not covered. Also, "Actual Cash Value", "Agreed Value" and "Stated Value" are way different terms when it comes to paying a claim.
Follow Ups	On the fence about switcing to collectable car insurance. - Metacom 19:05:20 05/01/14 red or black, it's a gamble by nature - LJZTT 19:26:08 05/01/14 Also needs to be in a private garage for most collector ins (n/m) - ZXoltan 07:43:39 05/02/14 It is all about your financial circumstance..... - ConVerTT 11:32:16 05/02/14 American Collectors Car Insurance (NJ) offers a policy in FL - GatorJ 19:02:46 05/02/14 Correction: American Collectors Insurance (Cherry Hill,NJ) (n/m) - GatorJ 09:28:13 05/03/14 If you have a garage and another car, Grundy is good.. - Onyxblue 13:38:10 05/02/14 Unlimited miles, but severe restrictions on use. (n/m) - GatorJ 19:03:51 05/02/14 I've been very happy with Hagerty over the past 10 years - Jayru 16:32:12 05/02/14 You may NEVER drive it to work, among other banned trips - aLL_youR_Z_aRe_beLOnG_tO_uS 08:39:15 05/03/14 Re: You may NEVER drive it to work, among other banned trips - Metacom 17:00:24 05/03/14 Not always true. My collector car insurance specifically - GatorJ 07:58:04 05/04/14 It's called "Freedom Tier". From their website: - GatorJ 08:33:41 05/04/14
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