I have about 6 month to a year before I need to care.
you guys that have teenagers that wanted to drive your classic cars, how did you handle insurance?

I know haggerty won't insure the car driven by someone under 25.
did you just carry a second policy? or is that even allowed?
or did you just not let your kid drive it?

Having a second policy sounds like it's a whole new can of worms if it's even allowed. Plus if they're driving when there's an accident you'd loose all benefits of the classic insurance and be fighting to get proper $$$$$ out of a regular company.

Yes, that's allowed. You'll end up with less than ideal coverage for the car itself, but it's better than nothing. The collector car insurer would deny coverage (both collision and liability) if you allowed an underage driver to drive the vehicle and there was an accident, even if it was the other person's fault. The regular insurer would need a copy of the coverage denial letter the collector car insurer would send to you and the underage driver. Once they had that, they'd handle your claim like normal. That process can take a bit, so it may inconvenience you, but worse, it may add to the inconvenience of the other driver if your driver was at fault.



That's the best idea/least amount of hassle.

yeah, that sounds like a pain, but I can't see not driving it either.
I mean I know when I was a kid these were just used cars, but I don't think I would have been as into them if I couldn't have driven one.
not talking ferris beulers day off type car.

Right, when you were a kid, they were just used cars. That's not the case anymore. Only you know what's best for your situation. If you want the kids to drive, get a regular policy and roll the dice.

If a teenaged driver is driving their parents car without proper insurance, and has an accident injuring something or worse someone (including a passenger). The injured party should, and probably will, go after the parents for everything they can.

More risk than many insurance companies care to cover.

I could see having a standard policy, then the parents have the risk of not getting a whole reimbursement for their damaged car. But at least they would be covered for liability.

No kids here but if I did.... no no no. Best for there safety, the cars safety.

I think what would be worse is teaching a youngster with a modern car with RnP steering and then trying to get them used to our old steering boxes, brakes, ect.

Maybe after a few years of driving under there belt.

Standard auto insurers all cover teenage drivers. It's the collector companies that do not.

The safety thing is the main reason I am thinking against it.
seeing the jeep that hit the vette and 57 belair makes me want to re-think driving it myself. let alone a kid driving it.
jeep guy was high and just plowed through them both. walked away fine since it was a new jeep 4dr.
passenger of the 57 died and the driver is seriously injured. no fault of their own.
vette might be repairable, since it took a glancing blow.

My policy stated a minimum age of drivers at 25 years old.

I just have regular insurance on my 51, my 17 yo drives it.

Your collector policy, or your regular auto policy?

Interesting...my son has been on my collector policy since I got it in 2014...he was 17 then. My daughter didn't want to be on it.

who do you use?
haggerty specifically states over 25 or they don't insure.

Which company, and did they ask for his birthday? Not shocking if there’s a company out there that does things differently than the rest.

I have been with Hagerty and Grundy and one other the na me escapes me right now. They all said 25 and up drivers

The idea of getting collector car insurance is to get a better price because they can limit their exposure to claims. The odds are much better for people under 25 to be involved in an accident, why would you still expect to get a discounted rate when you add a high risk driver to your collector car insurance?

Your regular insurance may cover your under 25 driver on their collector car insurance, but I would expect a much higher premium, and I would expect a lot of hassle should a claim need to be made.

Usually when there's a teenage driver with normal insurance coverage your premium goes up. It's a higher risk so the insurance company is going to want more.

Hagerty may have changed, check your policy. I noticed the daily driver portion used to say something about vehicle needs to be newer than 10 years for a daily driver. Now it just says something like reliable vehicle. I also asked Hagerty somewhere if a minor can drive your car and they said they want younger people in the hobby and the 25 year old restriction was lifted. I did a search for "25" in the policy after a quick skim and didn't see it in there. It used to be no driver under 25, but could have your child drive it if you were in the car with them. Maybe it's changed to any licensed driver?