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who do you use for insuring your Triumph?

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I too use conventional insurance for my TR4 (with a value on the policy backed up by photos & appraisal). The reason is the unlimited use allowed.

For the TR3A it is the State Farm antique endorsement which has no mileage restrictions but a fairly liberal usage restriction.

The reason I did not go with one of the other classic carriers is that I carry an umbrellas policy. An underlying liability policy (with Haggrty or such) would still allow the umbrella if a specified liability was maintained but the cost of the umbrella would go up as that carrier foresees problems coordinating with another carrier show a liability claim occurs which penetrates the umbrella coverage.
 
Hi Shannon;

I`m quite certain that someone like Progressive, (I just changed to Geico and saved over $1000.00yr on my reg cars), will allow you to drive wherever, whenever and as many mi. as you wish but when it comes to a claim, (Hopefully Never), Their adjusters know virtually nothing about Antique or Classic Cars; Never mind the Costs of Parts and Repairs:

Ex: My Latest Exp. My Ins. Co. gave me $7K for Repairs and Replacement Parts: The other Ins Co adjuster (Progressive) figured the Cost to be $2.5K: Which would you take?

Yes; They do limit you to 2500mi yr (Most of us don`t drive that much in a Season) but I do & "Never" have I been Questioned or Mileage Checked:

Yes; You should be careful going to the Supermarket or Work: Its supposed to be Pleasure Driving; Going to a Show, Getting your Car Repaired etc; But, You can drive Cross Country to a Show & No Questions Asked:

This is just an Opinion and the Example above I believe speaks for Itself: Their All good just depends on who`s the most Knowledgable & Which one comes thru when you need them!

Have Fun Looking;

Regards, Russ /bcforum/images/%%GRAEMLIN_URL%%/savewave.gif
 
I have Hagerty on the Mini ($18k agreed, maximum coverage, $175/year), the GT6 is under our regular family policy with Progressive (sorry TR owners, the GT6 isn't worth as much and I only have a one car garage. )

We made some major insurance changes after my wife had two serious accidents in her daily driver within 4 months of each other. Amica (our insurance company of 23+ years) dropped us like a hot-potato and we found ourselves scrambling for coverage. The mileage restrictions with Hagerty did not bother me and their definition of "pleasure use" is broad enough to allow the occasional jaunt to work and/or (yes) the grocery store. I made sure to discuss this with the agent before I signed up.
 
Russ,

I completely agree with everything you said about the knowledge level of Progressive; when I initially insured my Triumph with them, they didn't even list the car in their database. My big problem with all the popular classic car insurers are all the restrictions. The mileage piece I could probably live with, but not the other items. When my TR car is road worthy, I drive it nearly every day.. and I do consider driving to work and the grocery store pleasure driving. Tell you the truth, I meet more interesting people in the parking lots of stores than I do at most car shows, which I tend to get bored at quickly.

I'm sure a few of the people that have classic car insurance still travel to work occasionally, but heck; 95% of my TR driving would be prohibited by these policies. And with my luck I'd be the first one they ask "where I was going" when there was an accident.

If I had to live with these restrictions, I'd just rather sell the car. You have your opinion, I have mine.
 
Hey Shannon, to my knowledge the only restrictions for driving my TR6 was annual mileage, limited to 2500 per year. That is why they have knurled disconnects on the speedo. They do require that the car be stored in an enclosed garage and limit the extra drivers to anyone with at least 10 years licensed driving experience. And something about Tuesdays and Thursdays of every third month.......
 
I also have some minor irritation with having the Triumph insured by Progressive. The GT6 is so old, and its VIN so short, that none of their online services are available to me. I have to call and speak to a rep whenever I have questions or want to change things. They've always been nice on the phone but I've never had to file a claim with them either. Amica was actually more expensive but they were absolutely fantastic when you needed to file a claim.
 
Dave et al: The 250 has been insured by JC Taylor, Upper Darby, PA, since 1985. Originally, I had $18K coverage. Recently, I upped that to $30K which is their maximum without a professional appraisal. Back in 1991, when my daughter was learning to drive, she "adjusted" the driver's side rear wing. I turned in the claim and a local restoration shop did a magnificent job with the repairs ($2000. plus). JC Taylor were great - never balked, and even called later to be sure I was satisfied. I just added the 3A, with $30K coverage. Both cars are covered for less than $500/year.
 
Doesn't Haggerty have limits on how much you can drive?

I've got mine insured with our local agent. No collision or any other extras, it's really cheap. My Six is a daily and-I-mean-daily driver.
 
Alwaysride, for info on what is and isn't covered and acceptable with Hagerty, see:
https://www.hagerty.com/Auto/vehicle_features.aspx
and
https://www.hagerty.com/Auto/vehicle_qualify.aspx

Hagerty no longer mentions annual mileage limits but they do stress that your collector car is not to be your daily driver. Since your Six is your daily driver they could not offer you suitable coverage. Also, since you say you aren't carrying collision coverage, you can't compare what you are paying to any of the prices mentioned above. The whole purpose of the collector car insurance with agreed-value coverage is to protect your investment regardless of who's at fault in the event of an accident.
 
I had to submit the insurance information for our other two cars to Haggerty to prove that it was NOT my daily driver. Also having adequate pictures and documentation (web site was a big plus) helped make the process very smooth to get the max allowable coverage without an appraisal.
 
Being an insurance agent, I guess I'll throw in my two cents worth. I am an agent with Farmers Insurance. Farmers writes collector car insurance through J.C.Taylor. I am also appointed with Hagerty and American Collectors. Farmers will also write an "agreed value" policy through Farmers. With all these options, I can insure just about anything any way someone wants. When someone wants to insure a special car, we put together all the details, then decide which approach is best.
My experience with any of the specialty carriers is that they seem to be very good to deal with. Decide what you want and shop around.
As far as the problem of Amica cancelling an insured after 23 years, Farmers won't do that. We have several different markets we can put someone in.
Also, if Geico or anyone else can save you hundreds of dollars over where you insure now, by all means make sure that you have adequate liability coverage. State minimum coverage is generally not enough. $15000-25000 doesn't go very far when you put someone in the emergency room. You generally don't save a whole lot when you start slashing liability coverage
Bruce
 
Which is a good reminder that a competent agent that you trust can be the key to getting the best protection for your TR.

BTW, looking at the rates paid by others is probably fairly meaningless as your individual location and driving record will have a huge affect on your premium.
 
We were devastated when Amica dropped us. Officially they didn't cancel our policy. What they did was inform us that they would only renew the liability portion of our policy (no more collision or comprehensive coverage) and that liability would only be renewed at the state specified minimum levels. They were also doubling our rates (the rate that used to include collision and comprehensive) for that unacceptable decrease in coverage. As I said, they didn't cancel our policy but they made it clear we were not welcome and we had to go.

From what I remember when shopping with the collector insurance companies, none would offer insurance limits that exceeded what was carried on our daily drivers. After my wife's accidents I bumped our coverage up by 50% when we moved to Progressive. Hagerty was not able to offer coverage that matched those levels but they did allow me to purchase the maximum combination they offered that was closest to what I have with Progressive.
 
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