Auto Insurance Question

[glenncal1]

Hello- thinking about getting an older jeep (~$5000) for a recreational vehicle. Are there limited use insurance policies available similar to collector car insurance? I know quite a few on the board have off read vehicles. Thanks

[Irving]

Are you thinking about having liability only, then insuring it only when you drive it? If you have other vehicles, then it should be no problem to add/remove the Jeep whenever you need. If you don't have a live agent that you know you can get ahold of and trust to do what you ask (like if you have to call 1-800 to make policy changes), then I might suggest calling a week ahead of when you want to take the ride out.

[Gman]

Some policies will give you a break if the vehicle is for 'recreational use' and not a daily driver.

[Dave_L]

Some companies have the ability to suspend the insurance on a car. It'll take all the coverages off except comprehensive. Then, when you want to use it, you call and activate it and pay the "active" rate for however long you have it active. Then just call to put it back asleep.

[Great-Kazoo]

Some companies have the ability to suspend the insurance on a car. It'll take all the coverages off except comprehensive. Then, when you want to use it, you call and activate it and pay the "active" rate for however long you have it active. Then just call to put it back asleep.

It's called, or use to be Seasonal Coverage. Fair weather motorcycle riders would do this type of coverage.

[gnihcraes]

Major players in insurance are expensive for such a vehicle. I need to switch mine over to Hagerty or something similar. My father pays something silly cheap for his 40's jeep. You just can't go over like 5000 miles a year etc.

[jerrymrc]

Major players in insurance are expensive for such a vehicle. I need to switch mine over to Hagerty or something similar. My father pays something silly cheap for his 40's jeep. You just can't go over like 5000 miles a year etc.

For a "Stated Value" policy very much so. I have American Collector for mine. Now do understand they have many restrictions the first is that it must be in a locked garage anytime you are not out using it. I will say that the way most of the collector policies are written using it as a "Recreational Vehicle" may not fly. If it rolls down the side of the trail and you try and claim it they may ask what club or planned event were you at. Now they do have other policies because A couple of normal or simple modifications are acceptable anything more places it in another category.

Many tales of woe for guys that said there car was "Stock" and when they made a claim found out that the company did not take kindly to the modifications or a tree falls on it and the car was parked at the guys workplace. Do check into these company's and DO read the fine print. Good luck

[gnihcraes]

For a "Stated Value" policy very much so. I have American Collector for mine. Now do understand they have many restrictions the first is that it must be in a locked garage anytime you are not out using it. I will say that the way most of the collector policies are written using it as a "Recreational Vehicle" may not fly. If it rolls down the side of the trail and you try and claim it they may ask what club or planned event were you at. Now they do have other policies because A couple of normal or simple modifications are acceptable anything more places it in another category.

Many tales of woe for guys that said there car was "Stock" and when they made a claim found out that the company did not take kindly to the modifications or a tree falls on it and the car was parked at the guys workplace. Do check into these company's and DO read the fine print. Good luck

And I did an online quote check; denied on my vehicle. (1973 jeep) I was surprised at that. Stock, no mods, just a weekend milkshake cruiser. Kept outside, which might be a reason. O'well.

[Irving]

If it's only a $5,000 vehicle, then most likely he'll just have liability only. If he insures the vehicle on the same policy as his daily driver, then he can completely remove the coverage when he's not driving it and he won't have to worry about policy period gaps because the other vehicle/s on the policy will be insured all the time. This would probably be the most cost effective.