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Finally applied for collector car ins. w. Hagarty
- Thread starter justin_mercier
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justin_mercier
Jedi Warrior
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Hunh? no, the claim was paid and the work done long ago by Liberty Mutual. The claim adjuster none to subtlety 'nudged' me in the direction of dropping LM for collector's car insurance on my tr6 and tr7, which i've now done.
Hagerty just approved me to be on their insurance, so I'm now covered on the triumphs with them instead of liberty mutual.
Hagerty just approved me to be on their insurance, so I'm now covered on the triumphs with them instead of liberty mutual.
dklawson
Yoda
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SKIS, my information is dated but 6 years ago when I switched insurance to Hagerty I also called J.C. Taylor, Grundy, and Heacock. Hagerty was the most liberal in their interpretation of "pleasure use" so I chose them without hesitation. I have made no claims yet but do not anticipate any problems.
Brosky
Great Pumpkin
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Every company is great when they are taking YOUR money. The key is how they act when you have to take some of THEIRS.
And yes, Kayak the TR8 at speed in the rain trick does work well. Especially if you have your car waxed well and the water just beads up and rolls on by quickly.
And yes, Kayak the TR8 at speed in the rain trick does work well. Especially if you have your car waxed well and the water just beads up and rolls on by quickly.
V
vagt6
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DNK said:
Don, your homeowner's coverage will not pay for damage to your automobile, that's what car insurance covers. Damage to vehicles is excluded in the HO policy.
They got ya comin' and goin', gotta buy both policies!
DNK
Great Pumpkin
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vagt6 said:DNK said:
Don, your homeowner's coverage will not pay for damage to your automobile, that's what car insurance covers. Damage to vehicles is excluded in the HO policy.
They got ya comin' and goin', gotta buy both policies!
Not true here.
If your car is parked at home and is insured. Homeowners policy
OP
justin_mercier
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In my case, all my cars and my house were insured with Liberty Mutual at the time... and they still tried to give me a run around with who was going to pay *facepalm*
TexasKnucklehead
Jedi Knight
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Insurance is funny. When I had my ski boat, it was covered by a rider on my home owners policy for when it was in the garage. When being towed to the lake it was covered by a rider on the truck policy. And when it was actually in the water, there was another policy. It can be difficult to cover all the bases. Once the trailer with boat rolled out of a (uninsured) garage and down a hill, suddenly stopped and the boat flew off the trailer and onto the ground. It wasn't damaged, and no one was hurt, but I doubt it was insured.
T
TRDejaVu
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This last weekend I got to use the Hagerty roadside assistance for the 1st time. The Jag rear brake circuit developed a hydraulic lock which brought me to a halt at the side of the road. It freed up in 30 minutes, but I wasn't going to chance it.
Very impressed with their service. They said it would take about 50 minutes for the flatbed to show up. I was contacted directly by the service company after 20 minutes (early Sunday morning) to check on the details. 10 minutes later I got an automated phone call stating that if I hadn't been contacted press 1, which would have put a chase on them (I didn't need to). Truck arrived 10 minutes later with nylon straps instead of chains. The guy took great care in hooking up and we were on our way.
The plan covers me for a 120 mile tow for the LBCs AND all the family daily drivers - 3 times a year. Very reasonable rate. I was only 7 miles from home, but that would have cost over $90 without the plan ($65 + $4 per mile).
Very impressed with their service. They said it would take about 50 minutes for the flatbed to show up. I was contacted directly by the service company after 20 minutes (early Sunday morning) to check on the details. 10 minutes later I got an automated phone call stating that if I hadn't been contacted press 1, which would have put a chase on them (I didn't need to). Truck arrived 10 minutes later with nylon straps instead of chains. The guy took great care in hooking up and we were on our way.
The plan covers me for a 120 mile tow for the LBCs AND all the family daily drivers - 3 times a year. Very reasonable rate. I was only 7 miles from home, but that would have cost over $90 without the plan ($65 + $4 per mile).
OP
justin_mercier
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Aye, i signed up for the 120 mile tow plan as well, most of the driving I do is around that distance out and back when I go for a pleasure drive. I've never had to be towed yet, but for the minimal extra cost per year, its' good piece of mind.
V
vagt6
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DNK said:vagt6 said:DNK said:
Don, your homeowner's coverage will not pay for damage to your automobile, that's what car insurance covers. Damage to vehicles is excluded in the HO policy.
They got ya comin' and goin', gotta buy both policies!
Not true here.
If your car is parked at home and is insured. Homeowners policy
Don, not to argue, but <span style="text-decoration: underline">all</span> HO policies exclude ". . . bodily injury, property damage or personal injury arising out of the ownership, maintenance, occupancy, etc., of motor vehicles owned, operated by or rented or loaned to an insured."
Motor vehicles are <span style="text-decoration: underline">always</span> specifically excluded from homeowner's coverage. It's logical: if cars were covered under HO insurance, why buy car insurance??
It's expalined in your HO policy under Section II - Exclusions. Check it out.
Brosky
Great Pumpkin
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Don, that portion of the insurance could be under different state regulations. There were things covered in RI that are not covered here in MA and vice/versa.
I nearly forgot about my second Hagerty issue because it was with the TR8 last fall. When I pulled my infamous "leave the engine ground cable off trick" which resulted in smoking the throttle cable and welding it to the cowl panel, I had to get towed back home on a nice Sunday AM. I called Hagerty and they arranged for the same type service as above. Two follow up calls within ten minutes while I sat at the Dunkin Donut shop drinking coffee and talking with guys about the shiny red convertible sitting outside in the lot with the hood up and the odd burning smell around the car.
As luck would have it, a AAA driver showed at that moment and I flashed my AAA Gold card and he had me on the flatbed in five minutes. I called Hagerty to first to make sure they could cancel the other guy and they were very thankful and nice about it.
I nearly forgot about my second Hagerty issue because it was with the TR8 last fall. When I pulled my infamous "leave the engine ground cable off trick" which resulted in smoking the throttle cable and welding it to the cowl panel, I had to get towed back home on a nice Sunday AM. I called Hagerty and they arranged for the same type service as above. Two follow up calls within ten minutes while I sat at the Dunkin Donut shop drinking coffee and talking with guys about the shiny red convertible sitting outside in the lot with the hood up and the odd burning smell around the car.
As luck would have it, a AAA driver showed at that moment and I flashed my AAA Gold card and he had me on the flatbed in five minutes. I called Hagerty to first to make sure they could cancel the other guy and they were very thankful and nice about it.
M
Member 10617
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Hagerty roadside service certainly sounds good... but I have the same service from AAA. I have called on AAA three times for car problems -- once for the Triumph.
As for the Triumph episode, the car overheated and blew a radiator hose. I didn't have one with me, so I called AAA to tow me home. The AAA guys arrived, looked at the car and the problem and said that all I needed to do was to go to an Advance Auto and get a new hose. I told them that it takes a "special hose" because this was a British car. Au contraire, they said (well, not exactly in French) and they said they could adapt an American one. One of the guys drove off and soon returned with a modified American (Chinese?) hose and some coolant. In a few minutes, the car was going again, and I was on my way. And the modified hose is still on the car and doing fine after nearly two years.
I wasn't charged anything extra for that roadside service.
As for the Triumph episode, the car overheated and blew a radiator hose. I didn't have one with me, so I called AAA to tow me home. The AAA guys arrived, looked at the car and the problem and said that all I needed to do was to go to an Advance Auto and get a new hose. I told them that it takes a "special hose" because this was a British car. Au contraire, they said (well, not exactly in French) and they said they could adapt an American one. One of the guys drove off and soon returned with a modified American (Chinese?) hose and some coolant. In a few minutes, the car was going again, and I was on my way. And the modified hose is still on the car and doing fine after nearly two years.
I wasn't charged anything extra for that roadside service.
M
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No problem, George. The hose that ruptured was the bypass hose. The accordian radiator top hose is new and is in good shape, and I always carry a spare with me.
The problem with the bypass hose (and I have written of this in an earlier posting) was that my shop installed a new bypass hose that kept slipping off, so they installed an old, used, original hose as a stop-gap measure. That hose was in worse shape than they thought and it blew when the wrong radiator cap caused pressure built up.
"Wrong radiator cap?" you ask. Yes. I had an aluminum radiator installed and the shop where it was installed put on a standard radiator cap. Turns out the aluminum radiator requires a cap that doesn't reach so far into the radiator. The manufacturer of the radiator didn't warn the shop of this. So the cap they initially installed caused the car to overheat and the old hose to blow. Once all this was figured out, a new cap was installed and it has been trouble-free since then.
Even on the hottest days, climbing mountains, etc., the car runs at 185-186 degrees.
The problem with the bypass hose (and I have written of this in an earlier posting) was that my shop installed a new bypass hose that kept slipping off, so they installed an old, used, original hose as a stop-gap measure. That hose was in worse shape than they thought and it blew when the wrong radiator cap caused pressure built up.
"Wrong radiator cap?" you ask. Yes. I had an aluminum radiator installed and the shop where it was installed put on a standard radiator cap. Turns out the aluminum radiator requires a cap that doesn't reach so far into the radiator. The manufacturer of the radiator didn't warn the shop of this. So the cap they initially installed caused the car to overheat and the old hose to blow. Once all this was figured out, a new cap was installed and it has been trouble-free since then.
Even on the hottest days, climbing mountains, etc., the car runs at 185-186 degrees.