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 Post subject: Insurance??
PostPosted: May 8, 2015, 4:33 pm 
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Joined: October 13, 2011, 9:19 am
Posts: 1112
Location: Denver Co
So I tried Rally insurance group here is what they had to say

It does not look like we have any markets for you at this time. I talked to all of our companies and they do not allow any self assembled vehicle. I apologize that we are not able to help you with this.

Any other thoughts on who to go through??

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 Post subject: Re: Insurance??
PostPosted: May 8, 2015, 4:40 pm 
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Joined: October 19, 2012, 9:25 pm
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Location: Summerville, SC
Hagerty offered me the best prices. They or Grundy will insure just about anything

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OOPS I did it again
http://www.locostusa.com/forums/viewtopic.php?f=35&t=17496

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http://www.locostusa.com/forums/viewtopic.php?f=35&t=15216


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 Post subject: Re: Insurance??
PostPosted: May 8, 2015, 5:28 pm 
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Joined: October 13, 2011, 9:19 am
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Location: Denver Co
Hagery wont. I will try Grundy

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You can build the most awesome thing in the world but at some point, an 80yr old man in a crx is probably going kick your butt on the track... don't ask me how I know.


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 Post subject: Re: Insurance??
PostPosted: May 8, 2015, 6:22 pm 
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Joined: October 19, 2012, 9:25 pm
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Location: Summerville, SC
Hagerty you have to get the car appraised and sign up for an agreed value policy. They won't write anything less than 10k.
Not every state let's Haagerty sell coverage though.

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Too much week, not enough weekend.

OOPS I did it again
http://www.locostusa.com/forums/viewtopic.php?f=35&t=17496

Blood Sweat and Beers
http://www.locostusa.com/forums/viewtopic.php?f=35&t=15216


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 Post subject: Re: Insurance??
PostPosted: May 9, 2015, 11:33 am 
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Joined: October 13, 2011, 9:19 am
Posts: 1112
Location: Denver Co
They said they need a car it's similar to... which is an At-om that they don't insure.

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You can build the most awesome thing in the world but at some point, an 80yr old man in a crx is probably going kick your butt on the track... don't ask me how I know.


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 Post subject: Re: Insurance??
PostPosted: May 9, 2015, 12:11 pm 
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Joined: November 9, 2007, 3:40 pm
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Location: Fort Worth, TX
Who do the At-om people use?

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 Post subject: Re: Insurance??
PostPosted: May 9, 2015, 12:52 pm 
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Joined: October 13, 2011, 9:19 am
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Location: Denver Co
I looked into that. They mention Hagerty and rally, who both have told me no. A few others arnt in business anymore. I don't know if the year of the model makes a difference.

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You can build the most awesome thing in the world but at some point, an 80yr old man in a crx is probably going kick your butt on the track... don't ask me how I know.


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 Post subject: Re: Insurance??
PostPosted: May 9, 2015, 2:03 pm 
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Joined: December 24, 2007, 5:11 am
Posts: 579
Location: Seattle area
I have Grundy. No problems getting my Locost insured with them. Reasonable too.

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 Post subject: Re: Insurance??
PostPosted: May 9, 2015, 3:11 pm 
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Joined: July 17, 2008, 9:11 am
Posts: 4131
Location: West Chicago,IL
Getting insurance for a sevenesque vehicle seems to be relatively easy as it resembles a vehicle from long ago. Most of the Hagerty/Grundy type specialty companies will cover them. Some mainstream companies will also cover them such as SF, although SF would not cover mine in Illinois. The Ariel-type vehicles, and other unique one-off vehicles that some of us are building seem to be more difficult to find an insurer. Consider that some states (Texas) are reported to be pulling the registration from previously approved A-A's due to perceived or actual safety issues. It is no wonder why insurance companies do not want to insure them. As in everything, YMMV when it comes to a specific vehicle, a specific state, a specific person making the application, or a specific person reviewing that application.

I have no ideas how to get your car insured other than to look everywhere on the Internet for ideas.

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Chuck.

“Any suspension will work if you don’t let it.” - Colin Chapman

My RX7 powered Locost is now for sale http://www.locostusa.com/forums/viewtopic.php?f=40&t=18460

or visit my Cushman Truckster resurrection log: over HERE


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 Post subject: Re: Insurance??
PostPosted: May 10, 2015, 11:55 pm 
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Joined: May 27, 2009, 1:13 pm
Posts: 280
Location: cleveland, ohio
I still go through an agent that uses different companies. They found one that would cover it. Full coverage was based on whatever value I set and the premium adjusted based on that value and my driving record.

But I don't remeber what company. Sorry :(

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 Post subject: Re: Insurance??
PostPosted: May 12, 2015, 9:48 am 
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Joined: October 13, 2011, 9:19 am
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Location: Denver Co
I am having no luck! Almost everyone says no. A few have said no because I had a speeding ticket last year even though its the only one in 10 years.

Any other suggestions? Internet isnt helping much either except for finding people to say no.

I don't know if its because it is a homebuilt or that it looks like and Ar-i-el At-om...

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My build: http://www.locostusa.com/forums/viewtop ... 18&t=13096


You can build the most awesome thing in the world but at some point, an 80yr old man in a crx is probably going kick your butt on the track... don't ask me how I know.


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 Post subject: Re: Insurance??
PostPosted: May 12, 2015, 10:28 am 
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Joined: July 17, 2008, 9:11 am
Posts: 4131
Location: West Chicago,IL
OK more info starts to come out. You have found places that might insure the car but not you because of your 1 speeding ticket. Some places will not insure unless you are at least 26 yrs old. I don't know if that fits you or not.

Have you tried American Collectors Insurance? they allow 1 moving violation. Do you qualify to be insured with USAA? If all else fails, try contacting your state's Dept of Insurance for recommendations.

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Chuck.

“Any suspension will work if you don’t let it.” - Colin Chapman

My RX7 powered Locost is now for sale http://www.locostusa.com/forums/viewtopic.php?f=40&t=18460

or visit my Cushman Truckster resurrection log: over HERE


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 Post subject: Re: Insurance??
PostPosted: May 12, 2015, 11:38 am 
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Joined: July 4, 2006, 5:40 pm
Posts: 1757
Location: Novato, CA
I have Progressive. No restrictions. Adds about $240/year to my policy.


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 Post subject: Re: Insurance??
PostPosted: May 12, 2015, 1:21 pm 
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Joined: October 13, 2011, 9:19 am
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Location: Denver Co
I called them and they said their underwriters wouldn't do it. Did you do something special.

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You can build the most awesome thing in the world but at some point, an 80yr old man in a crx is probably going kick your butt on the track... don't ask me how I know.


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 Post subject: Re: Insurance??
PostPosted: May 12, 2015, 3:59 pm 
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Joined: October 13, 2011, 9:19 am
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Location: Denver Co
Interesting.... i called Hagerty and they said no... called a local Allstate guy who went to Hagerty and he gave me the following 3 options.

$1,210/year
Select this package
+ Select
Hagerty Plus Roadside Assistance
The most comprehensive roadside service and benefits program designed exclusively for the auto enthusiast
Roadside Services
• Guaranteed flatbed with soft nylon straps on every tow designed exclusively for classic cars
• Unlimited use for emergency service
• Family members automatically covered
• No out of pocket expense or saving receipts
• Location Determination: instantly pinpoints your location
• High-Octane Plan covers all household vehicles, not just classics
• Single Call Dispatch
Enthusiast Benefits
• Subscription to Hagerty Classic Cars magazine
• Access to “Ask Hagerty,” a full-service resource for any classic car related question
• Exclusive member discounts on automotive products and more
Hobby Support
• Membership in the Historic Vehicle Association
• Support of the Collectors Foundation
View more »
Premium (50 mile plan)
Spare Parts
Coverage options for spare parts for Hagerty insured vehicles or any collector vehicles
Spare parts held for use in collector vehicles can be covered two ways:
•Spare parts coverage for Hagerty Insured Vehicle
•Spare parts coverage for any collector vehicle (any car)
•Blanket Coverage
•Parts for a vehicle they dont own yet, but may acquire later
•Scheduled coverage also available
View more »
$750 limit


Better
$1,238/year
Select this package
+ Select
Hagerty Plus Roadside Assistance
The most comprehensive roadside service and benefits program designed exclusively for the auto enthusiast
Roadside Services
• Guaranteed flatbed with soft nylon straps on every tow designed exclusively for classic cars
• Unlimited use for emergency service
• Family members automatically covered
• No out of pocket expense or saving receipts
• Location Determination: instantly pinpoints your location
• High-Octane Plan covers all household vehicles, not just classics
• Single Call Dispatch
Enthusiast Benefits
• Subscription to Hagerty Classic Cars magazine
• Access to “Ask Hagerty,” a full-service resource for any classic car related question
• Exclusive member discounts on automotive products and more
Hobby Support
• Membership in the Historic Vehicle Association
• Support of the Collectors Foundation
View more »
Premium (50 mile plan)
Spare Parts
Coverage options for spare parts for Hagerty insured vehicles or any collector vehicles
Spare parts held for use in collector vehicles can be covered two ways:
•Spare parts coverage for Hagerty Insured Vehicle
•Spare parts coverage for any collector vehicle (any car)
•Blanket Coverage
•Parts for a vehicle they dont own yet, but may acquire later
•Scheduled coverage also available
View more »
$1500 limit
Traveling Collector
Coverage for the collector who travels at least 50 miles from home
•Trip Interuption Coverage
• Up to $1,500 for a rental vehicle, lost event expenses, and lodging
• Applies if it's a coveraged loss & 50 miles from home
• Accidental Death Coverage: $10k total, $500 of which available for pet
• Added $250 coverage for Personal Effects
View more »


Best
$1,357/year
Select this package
+ Select
Hagerty Plus Roadside Assistance
The most comprehensive roadside service and benefits program designed exclusively for the auto enthusiast
Roadside Services
• Guaranteed flatbed with soft nylon straps on every tow designed exclusively for classic cars
• Unlimited use for emergency service
• Family members automatically covered
• No out of pocket expense or saving receipts
• Location Determination: instantly pinpoints your location
• High-Octane Plan covers all household vehicles, not just classics
• Single Call Dispatch
Enthusiast Benefits
• Subscription to Hagerty Classic Cars magazine
• Access to “Ask Hagerty,” a full-service resource for any classic car related question
• Exclusive member discounts on automotive products and more
Hobby Support
• Membership in the Historic Vehicle Association
• Support of the Collectors Foundation
View more »
High Octane (125 mile plan)
Spare Parts
Coverage options for spare parts for Hagerty insured vehicles or any collector vehicles
Spare parts held for use in collector vehicles can be covered two ways:
•Spare parts coverage for Hagerty Insured Vehicle
•Spare parts coverage for any collector vehicle (any car)
•Blanket Coverage
•Parts for a vehicle they dont own yet, but may acquire later
•Scheduled coverage also available
View more »
$1500 limit (any collector car)
Traveling Collector
Coverage for the collector who travels at least 50 miles from home
•Trip Interuption Coverage
• Up to $1,500 for a rental vehicle, lost event expenses, and lodging
• Applies if it's a coveraged loss & 50 miles from home
• Accidental Death Coverage: $10k total, $500 of which available for pet
• Added $250 coverage for Personal Effects
View more »
Tools
Used to maintain or restore collector vehicles
• Tools and other portable equipment used in the maintenance of collector vehicles
•Blanket coverage
• $250 deductible applies, max value of $1k per item
• Scheduled coverage also available
View more »
$1500 limit

I asked him what was need to proceed... not holding my breadth that i can still get insurance from here.

_________________
My build: http://www.locostusa.com/forums/viewtop ... 18&t=13096


You can build the most awesome thing in the world but at some point, an 80yr old man in a crx is probably going kick your butt on the track... don't ask me how I know.


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