Insurance covering the full value of your van

[jimf909]

[skills@eurocarsplus]

the moderation here is to die for..... saving people's feelings 1 edited post at a time.
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[shagginwagon83]

[outcaststudios]

[vanis13]

[Ahwahnee]

[shagginwagon83]

[tjet]

Give Grundy a call. I've had a Calif policy with them with 3 vehicles on it for about 20 years now. I was going to get Hagerty, but Grundy has less fine print on any requirements or restrictions. They hit you up with a once a year payment. For 3 classic cars, I pay around $700 per year for an "agreed" value (All 3 cars have a 35-40kish value on them). Also, you will need at least 1 car on a regular policy that's with another insurance company - your daily driver.

https://www.grundy.com/classic-cars/

Just send in a few pics and give them the make and model info. They will start checking sales values. No need to give them every detail on your all mods or camping reports.

I still need to insure this truck (below), but it will be a separate policy since it lives in Connecticut. It's almost running

https://www.binderplanet.com/forums/index.php?attachments/img_20210928_120006-jpg.214653/

[Schuylersister]

Well I spoke with our trusted insurance agent today about the van coverage. She has our homeowners, rental and cars. Right off the bat she said Hagerty was our best bet. I told her about the 5000 mile (Ca) restriction and asked her to search for another insurer who doesn’t have that mileage restriction. She checked with American Modern (no van camping), Safeco (they want a bundle policy with all the cars and home for a new policy), Foremost and some others offering coverage for RVs. They were only good for actual value policies. So seems like Hagerty is the ticket for those of us fortunate enough to have another daily driver and who live in California.

[Glenn73]

I'm here in UT and I have full coverage through State Farm up to $15,000 as it is a GL. I do have it fully registered not as a Vintage vehicle as the laws for use with those plate don't want you daily driving. (People still do)
It is a frustrating thing to shop for insurance as some will want ridiculous rates for low coverage. Geico was the most expensive and it was liability only when I had called around.
I have not looked into Hagarty myself but was not aware of them at the time.
CA has a lot of odd policies that years ago pushed my parents to get rid of a 75 transporter that I grew up in. We all wish it was still around and I am sorted interested in tracking it down.

But this is just my .02 cents on the matter.
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1973 Super Sat from 93-2008
https://www.thesamba.com/vw/forum/viewtopic.php?t=...highlight=
1986 Vanagon thread Sat from 2005-2017 https://www.thesamba.com/vw/forum/viewtopic.php?t=719692

VW Transporter production film https://www.youtube.com/watch?v=rceTqDtGgz8

[BulliBill]

I've been covered by an "agreed value" policy with "Grundy Worldwide" for six old VWs of mine since 1999 and I don't believe that they restrict mileage yearly. Do your own research, I may be wrong. And they happily added my '87 Vanagon Westfalia Camper GL a few years back. They covered my '67 Westy many years ago, so they don't seem adverse to covering our collectible Campmobiles & Campers...

Bill
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I'm looking for these license plate frames for my fleet:
Coeur D'Alene - Lake Shore Volkswagen
Mission VW - San Fernando
Thornton VW - Stockton

Thanks for any help!

[kamzcab86]

[vanis13]

[Crankey]

I've had state farm for years, since the late 80's.
It was easy to insure a kit car as a daily driver with them. I never claimed anything on that policy but others were really high priced and really didn't know how to handle that car...
Then with two mk2 gtis and a Honda crx that were stolen they paid out without a problem and extended the payment period on a rental car one time.

I haven't had any claims on my truck but they've said that they will take the average value of of a few examples of similar condition roughly in my area to establish fair value. I do trust them on this because I saw b-man here go through repairing his doka after a tree limb fell on his truck and smashed the roof and at least one of the gates. State farm treated him pretty well through that and he's in Or. and I'm in Wa.
Cost after all these years has consistently gone down with no bad behavior on my part to generate claims.
I've asked about what would happen in a theft or accident and they can't really say exactly but after floating some asking prices on similar vehicles they really didn't sound like they'd choke at those numbers.

The thing is there's no way to calculate the value on something like this. You see these adds for disaster insurance and how they make it like it didn't happen....not possible. Ya know, what about the $30,000 of super rare model kit collection that all blew away in the hurricane ?? Money can't replace what you can't buy.
I think state farm will do what they can in practical reality. They may not cover the cost of all my custom bits and pieces but I do think they'll consider the value of something big like the engine swap as part of the total value.
Best to document things, have an appraisal from an outfit they approve of. I don't but I plan to.

[dobryan]

[Schuylersister]

[Schuylersister]

Based on advice from two contributors herein I contacted Grundy and filled out their on-line application. Then I asked a few questions and this is the response:

‘Thank you for contacting Grundy Worldwide,
We do not have restrictions on mileage so the 500 to 2500 is our auto fill in. You can write on the application you will do more than the 2500, this does not affect the quote in any way. The vehicle can be used to go to cars shows/club events, pleasure cruises, going to dinner or ice cream and a friend or family member’s home. We do not cover the vehicle to go camping, to the grocery store, pharmacy, bank, mall, doctors office and etc. Hopefully, this helps.’

[Tobias Duncan]

[jimf909]

[Tobias Duncan]