Re: classic car insurance and teenage drivers, what did you do?
[Re: not_a_charger]
#3084961
10/10/22 07:58 PM
10/10/22 07:58 PM
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Joined: Jan 2003
Posts: 3,704 MICHIGAN
DynoDave
master
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master
Joined: Jan 2003
Posts: 3,704
MICHIGAN
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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. 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 Condon Skelly.
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Re: classic car insurance and teenage drivers, what did you do?
[Re: Mr PotatoHead]
#3085012
10/11/22 12:01 AM
10/11/22 12:01 AM
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Joined: Feb 2003
Posts: 10,304 Someplace you aren't
SomeCarGuy
I Live Here
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I Live Here
Joined: Feb 2003
Posts: 10,304
Someplace you aren't
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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.
I learned how to drive in this junk, wouldn’t have been able to otherwise. When I drove a rnp car for the first time, it was a breeze because I was so used to old school stuff. I really think it makes me better to have the old car experience since it requires more attention and that’s exactly opposite of the way 99.44% of mfers drive.
I want my fair share
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Re: classic car insurance and teenage drivers, what did you do?
[Re: Andrewh]
#3085027
10/11/22 08:42 AM
10/11/22 08:42 AM
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Joined: Jan 2003
Posts: 11,095 Berlin, N.J.
abodyjoe
I Live Here
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I Live Here
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Posts: 11,095
Berlin, N.J.
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did you just not let your kid drive it? thats the answer right there.. most if not all want you to be 25 years old for classic/collector car insurance.. you either use regular insurance or don't allow them to drive it.. they will get over it.
It's better to keep your mouth shut and give the impression that you're stupid than to open it and remove all doubt. www.MoparMisfits.com
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Re: classic car insurance and teenage drivers, what did you do?
[Re: DynoDave]
#3085130
10/11/22 01:31 PM
10/11/22 01:31 PM
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Joined: Feb 2003
Posts: 8,761
Andrewh
OP
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OP
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Joined: Feb 2003
Posts: 8,761
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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. 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 Condon Skelly. I reached out to them for a quote. they said you have to have 5 years driving experience to be covered. and if you have under 10 years it required a waiver. don't have 22 cars with hagerty so doubt asking will pull any weight, but it doesn't hurt.
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Re: classic car insurance and teenage drivers, what did you do?
[Re: 5thAve]
#3085824
10/13/22 08:43 PM
10/13/22 08:43 PM
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Joined: Dec 2007
Posts: 20,340 Puttin' on the foil in Charles...
not_a_charger
Mr. Big Shot Moparts Moderator
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Mr. Big Shot Moparts Moderator
Joined: Dec 2007
Posts: 20,340
Puttin' on the foil in Charles...
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It seems like a lot of insurance policies are very vague lately in their wording. They're not, but if they were, that's to the advantage of the consumer. Any ambiguity in policy language must be interpreted in favor of the insured. Either the insurer will do so voluntarily, or the Department of Insurance will make them do so. I had a hard time trying to find something on hagerty and somewhere else. What do you mean?
Earning every penny of that moderator paycheck.
DBAP
"They don't think it be like it is, but it do." - Oscar Gamble
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Re: classic car insurance and teenage drivers, what did you do?
[Re: not_a_charger]
#3085852
10/13/22 10:19 PM
10/13/22 10:19 PM
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Joined: Jan 2006
Posts: 617 boston mass-moving to long isl...
massdaytona
mopar
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mopar
Joined: Jan 2006
Posts: 617
boston mass-moving to long isl...
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It seems like a lot of insurance policies are very vague lately in their wording. They're not, but if they were, that's to the advantage of the consumer. Any ambiguity in policy language must be interpreted in favor of the insured. Either the insurer will do so voluntarily, or the Department of Insurance will make them do so.[ so ' vague' favors the insured?? maybe, but the insurance co. has lots of $$$, if they don't like the 1st outcome, they will appeal, and then appeal again and again .... i hope u have deep pockets, and lots of time
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Re: classic car insurance and teenage drivers, what did you do?
[Re: Andrewh]
#3085875
10/14/22 01:20 AM
10/14/22 01:20 AM
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Joined: Jan 2003
Posts: 3,704 MICHIGAN
DynoDave
master
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master
Joined: Jan 2003
Posts: 3,704
MICHIGAN
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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. 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 Condon Skelly. I reached out to them for a quote. they said you have to have 5 years driving experience to be covered. and if you have under 10 years it required a waiver. don't have 22 cars with hagerty so doubt asking will pull any weight, but it doesn't hurt. That's discouraging. His name has appeared among the listed drivers on the car since I bought it in 2014, at which time he was 17. And they knew that...we discussed it quite clearly. Crazy.
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Re: classic car insurance and teenage drivers, what did you do?
[Re: massdaytona]
#3085888
10/14/22 06:49 AM
10/14/22 06:49 AM
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Joined: Dec 2007
Posts: 20,340 Puttin' on the foil in Charles...
not_a_charger
Mr. Big Shot Moparts Moderator
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Mr. Big Shot Moparts Moderator
Joined: Dec 2007
Posts: 20,340
Puttin' on the foil in Charles...
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It seems like a lot of insurance policies are very vague lately in their wording. They're not, but if they were, that's to the advantage of the consumer. Any ambiguity in policy language must be interpreted in favor of the insured. Either the insurer will do so voluntarily, or the Department of Insurance will make them do so.[ so ' vague' favors the insured?? maybe, but the insurance co. has lots of $$$, if they don't like the 1st outcome, they will appeal, and then appeal again and again .... i hope u have deep pockets, and lots of time There's no maybe. Vague/ambiguous language must be interpreted in favor of the insured. This is true in all 50 states + D.C. If the policy language is vague/ambiguous, the smart adjuster will just interpret in favor of the insured and save the company time and money. The dumb adjuster will interpret in favor of the company, in which case all the insured has to do is file a complaint with the Department of Insurance, who will then force the insurance company to interpret in favor of the insured. It doesn't cost a dime for a consumer to file a DOI complaint. It's not court, it's not a lawsuit, there's no hearing, there's no appealing. The consumer files a written complaint. The DOI notifies the insurance company, who has 30 days to respond in writing. DOI then makes a decision, and you do what the DOI tells you to do. If the insurance company is lucky, they'll just be told what to do. If there's a pattern of such behavior, the DOI will hit them with huge fines, fines that more than offset any savings that may have occurred by not paying the claim in the first place.
Earning every penny of that moderator paycheck.
DBAP
"They don't think it be like it is, but it do." - Oscar Gamble
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Re: classic car insurance and teenage drivers, what did you do?
[Re: not_a_charger]
#3085899
10/14/22 07:45 AM
10/14/22 07:45 AM
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Joined: Jan 2006
Posts: 617 boston mass-moving to long isl...
massdaytona
mopar
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mopar
Joined: Jan 2006
Posts: 617
boston mass-moving to long isl...
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It seems like a lot of insurance policies are very vague lately in their wording. They're not, but if they were, that's to the advantage of the consumer. Any ambiguity in policy language must be interpreted in favor of the insured. Either the insurer will do so voluntarily, or the Department of Insurance will make them do so.[ so ' vague' favors the insured?? maybe, but the insurance co. has lots of $$$, if they don't like the 1st outcome, they will appeal, and then appeal again and again .... i hope u have deep pockets, and lots of time There's no maybe. Vague/ambiguous language must be interpreted in favor of the insured. This is true in all 50 states + D.C. If the policy language is vague/ambiguous, the smart adjuster will just interpret in favor of the insured and save the company time and money. The dumb adjuster will interpret in favor of the company, in which case all the insured has to do is file a complaint with the Department of Insurance, who will then force the insurance company to interpret in favor of the insured. It doesn't cost a dime for a consumer to file a DOI complaint. It's not court, it's not a lawsuit, there's no hearing, there's no appealing. The consumer files a written complaint. The DOI notifies the insurance company, who has 30 days to respond in writing. DOI then makes a decision, and you do what the DOI tells you to do. If the insurance company is lucky, they'll just be told what to do. If there's a pattern of such behavior, the DOI will hit them with huge fines, fines that more than offset any savings that may have occurred by not paying the claim in the first place. tell that to the people in florida where the insurance co's will not cover the damage as it wasn't the 'cane that ruined your home , but the water... and why is that... cause of the vague/ambiguous language ...
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Re: classic car insurance and teenage drivers, what did you do?
[Re: massdaytona]
#3085929
10/14/22 10:15 AM
10/14/22 10:15 AM
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Joined: Dec 2007
Posts: 20,340 Puttin' on the foil in Charles...
not_a_charger
Mr. Big Shot Moparts Moderator
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Mr. Big Shot Moparts Moderator
Joined: Dec 2007
Posts: 20,340
Puttin' on the foil in Charles...
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Yes, the storm surge argument, is it flooding, or is it wind driven? That argument has been settled that storm surge is flooding, and anyone who lives in an area prone to flooding/storm surge should have flood insurance, which is only available from the federal government. Floods
The National Flood Insurance Program includes in their definition of “flood”: inland tidal waters; unusual and rapid accumulation or runoff of surface waters from any source; and collapse or subsidence of land along the shore of a lake or similar body of water as a result of erosion or undermining caused by waves or currents of water exceeding anticipated cyclical levels that result in a flood. The big thing to take note of here, no property (that includes any Homeowners and Dwelling Fire Insurance Policy forms)covers flood damage as defined. Damage from flood waters is covered only by a separate Flood Insurance Policy and is subject to policy limits and deductibles. If someone lives in coastal FL and doesn't have flood insurance, or doesn't know the difference at this point, that's on them. It's not ambiguous. The NFIP defines it for them. Wind blows the roof off and water gets in your home? Homeowners insurance. Storm surge floods your home? Flood insurance. Both happen at the same time? Homeowners buys your roof, the insulation, etc. and flood insurance fixes the flood damage. It's a huge pain for the consumer, no doubt. It's a direct result of insurers saying they were no longer going to rebuild the same property multiple times due to flooding. Also, mobile homes are personal property, not real property, so depending upon the state, a flooded mobile home is treated as a vehicle, not a house, and is covered the same way a flooded car would be covered.
Earning every penny of that moderator paycheck.
DBAP
"They don't think it be like it is, but it do." - Oscar Gamble
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Re: classic car insurance and teenage drivers, what did you do?
[Re: not_a_charger]
#3086071
10/14/22 06:25 PM
10/14/22 06:25 PM
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Joined: Jan 2003
Posts: 4,187 Canada -- Posts: 4034 -Registe...
5thAve
Doesn't care what this says anyway
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Doesn't care what this says anyway
Joined: Jan 2003
Posts: 4,187
Canada -- Posts: 4034 -Registe...
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It seems like a lot of insurance policies are very vague lately in their wording. They're not, but if they were, that's to the advantage of the consumer. Any ambiguity in policy language must be interpreted in favor of the insured. Either the insurer will do so voluntarily, or the Department of Insurance will make them do so. I had a hard time trying to find something on hagerty and somewhere else. What do you mean? Vague as in you used to be able to go to hagerty's website or a number of other companies and it was quick to find specific info on what was excluded and other info on the coverage. Now it's harder to find and not much there. Same with what comes in the mail for renwal. Hagerty still had a decent sized envelope of paper work at least.
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Re: classic car insurance and teenage drivers, what did you do?
[Re: 5thAve]
#3086083
10/14/22 07:13 PM
10/14/22 07:13 PM
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Joined: Dec 2007
Posts: 20,340 Puttin' on the foil in Charles...
not_a_charger
Mr. Big Shot Moparts Moderator
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Mr. Big Shot Moparts Moderator
Joined: Dec 2007
Posts: 20,340
Puttin' on the foil in Charles...
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Right, they did used to have a list on their website of vehicle types they would not insure. They've changed their stance over the last few years regarding cages and power adders, for example.
Earning every penny of that moderator paycheck.
DBAP
"They don't think it be like it is, but it do." - Oscar Gamble
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Re: classic car insurance and teenage drivers, what did you do?
[Re: DynoDave]
#3086305
10/15/22 03:35 PM
10/15/22 03:35 PM
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Joined: Jan 2003
Posts: 28,717 Shopping @ HoBo Fright
340SIX
Doc Flappergas's Evil Twin
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Doc Flappergas's Evil Twin
Joined: Jan 2003
Posts: 28,717
Shopping @ HoBo Fright
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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. 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 Condon Skelly. That was the 1st classic car insurance I had way back when. When I canceled and went with Grundy they stabbed me in the back. Low down actions. They did so many others and were sued. I would not have anything insured with them now. Low down snake in the grass place.
Last edited by 340SIX; 10/15/22 03:49 PM.
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Re: classic car insurance and teenage drivers, what did you do?
[Re: 340SIX]
#3239715
06/21/24 11:18 AM
06/21/24 11:18 AM
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Joined: Jan 2003
Posts: 7,548 Albany, NY
67SATisfaction
The member whose name is actually Art
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The member whose name is actually Art
Joined: Jan 2003
Posts: 7,548
Albany, NY
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@Andrewh - What did you end up doing for your teens?
This thread was very informative! Has anyone actually pulled the trigger on insuring your young drivers on your Mopars?
I'm now in the same position - I want my two licensed drivers 19 and 20 to be able to enjoy the Satellites, and at least one is actively interested. It will teach them maintenance and they will experience the joy of cruising to the lake, movies, etc...
So it seems my best option is to pull the Satellites off our collector car policy and add them to our regular policy - at least that's what I will call our insurer to discuss... As long as I can insure them for damages & liability, I can accept that I pay for the cost of collision repairs out of pocket.
Cheers, - Art
65 Satellite hardtop 361/4bbl console 727 2.76 67 Satellite convert 383/2bbl column 727 3.23 67 Lancia Fulvia Sport 1.3 Zagato. Alloy body, 1.3L V4 DOHC 4-spd 67 Lancia Fulvia Rallye 1.3. Alloy panel, 1.3L V4 DOHC 4-spd 71 Alfa Romeo GT Junior 1300 Zagato, 1.3L 4cyl DOHC hemi 5-spd 82 Alfa Romeo GTV6 2.5L SOHC hemi V6 5-spd transaxle 75 Maserati Bora US spec 4.9L DOHC hemi V8 5-spd ZF 77 Maserati Khamsin Euro spec 4.9L DOHC hemi V8 5-spd ZF 07 Aston Martin DB9 6.0L DOHC V12 6spd transaxle
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Re: classic car insurance and teenage drivers, what did you do?
[Re: 67SATisfaction]
#3239755
06/21/24 02:35 PM
06/21/24 02:35 PM
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Joined: Feb 2003
Posts: 8,761
Andrewh
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Hagerty said they would insure my under 25 drivers if I wanted. I didn't take them up on a quote however. so I have no idea how much that would add to the policy. but yeah liability only for the old car is a choice, but I am not sure it is a better choice, but let us know what they quote you.
adding them to regular insurance was such a high cost, I just couldn't take another hit like that. so I dropped it for now.
Last edited by Andrewh; 06/21/24 02:36 PM.
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Re: classic car insurance and teenage drivers, what did you do?
[Re: Andrewh]
#3240243
06/24/24 09:05 AM
06/24/24 09:05 AM
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Joined: Jan 2003
Posts: 7,548 Albany, NY
67SATisfaction
The member whose name is actually Art
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The member whose name is actually Art
Joined: Jan 2003
Posts: 7,548
Albany, NY
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Thanks Andrew,
It's nice to know that Hagerty at least offers the opportunity to add them. As I noted, mine has a strict NO policy for anyone with less than 10 years driving experience. It's just impossible to wait that long when you want to get your teens into the hobby. - Art
65 Satellite hardtop 361/4bbl console 727 2.76 67 Satellite convert 383/2bbl column 727 3.23 67 Lancia Fulvia Sport 1.3 Zagato. Alloy body, 1.3L V4 DOHC 4-spd 67 Lancia Fulvia Rallye 1.3. Alloy panel, 1.3L V4 DOHC 4-spd 71 Alfa Romeo GT Junior 1300 Zagato, 1.3L 4cyl DOHC hemi 5-spd 82 Alfa Romeo GTV6 2.5L SOHC hemi V6 5-spd transaxle 75 Maserati Bora US spec 4.9L DOHC hemi V8 5-spd ZF 77 Maserati Khamsin Euro spec 4.9L DOHC hemi V8 5-spd ZF 07 Aston Martin DB9 6.0L DOHC V12 6spd transaxle
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