Hi
My regular insurance company refuses to insure any vehicle that has been modified so they won't touch my old hot rod.
Zehr insurance brokers recently changed their restrictions. They used to allow you to do anything you wanted with your classic / hot rod EXCEPT go to work with it and you had to keep the annual usage under 5000 kms.
Now, the vehicles have to be kept in a locked garage, can only be used to go to and from a car show or in a parade and cannot be left unattended unless the car is at a car show. I don't go to many car shows, I've never been in a parade and I don't have enough locked, indoor parking for all my old cars.
I did a search through the archives here but I haven't been able to find any recent information pertaining to this:
-- I want to use my old cars as regular drivers.
-- We all know that classic / antique insurance severely limits a vehicle's usage. Yes the rates can be ultra-low but if you follow the letter of what the insurance company tells you, you can't use the vehicle for "regular" transportation.
-- I've been told by Silver Wheel and Zehr Insurance brokers that I cannot use my old cars to go to work or to go to the store or leave unattended for any period of time ( ie: left alone in a parking lot as I go into the store or the mall). That type of thing is a strict "NO NO".
Can anyone please turn me onto an Ontario insurance company that will insure hot rods, 70's-era kit cars / replicars and homebuilt vehicles as "regular use vehicles" ?
I'm at my wit's end with this. After decades of playing with old cars / hot rods, I'm seriously thinking about throwing in the towel. It's clear that the insurance companies don't want to deal with anything out of the ordinary and my cars are just that - out of the ordinary. Unless I stay with a classic car type of insurance plan, I can't drive the vehicles at all because no insurance company I've spoken to will insure them.
Since the classic car insurance plans I've found severely limit when and where (and how much) I can drive my cars, they are essentially useless to me.
Does anyone have a contact for a company that will insure hot rods / replicas and homebuilt vehicles?
Thanks in advance,
Dave
My regular insurance company refuses to insure any vehicle that has been modified so they won't touch my old hot rod.
Zehr insurance brokers recently changed their restrictions. They used to allow you to do anything you wanted with your classic / hot rod EXCEPT go to work with it and you had to keep the annual usage under 5000 kms.
Now, the vehicles have to be kept in a locked garage, can only be used to go to and from a car show or in a parade and cannot be left unattended unless the car is at a car show. I don't go to many car shows, I've never been in a parade and I don't have enough locked, indoor parking for all my old cars.
I did a search through the archives here but I haven't been able to find any recent information pertaining to this:
-- I want to use my old cars as regular drivers.
-- We all know that classic / antique insurance severely limits a vehicle's usage. Yes the rates can be ultra-low but if you follow the letter of what the insurance company tells you, you can't use the vehicle for "regular" transportation.
-- I've been told by Silver Wheel and Zehr Insurance brokers that I cannot use my old cars to go to work or to go to the store or leave unattended for any period of time ( ie: left alone in a parking lot as I go into the store or the mall). That type of thing is a strict "NO NO".
Can anyone please turn me onto an Ontario insurance company that will insure hot rods, 70's-era kit cars / replicars and homebuilt vehicles as "regular use vehicles" ?
I'm at my wit's end with this. After decades of playing with old cars / hot rods, I'm seriously thinking about throwing in the towel. It's clear that the insurance companies don't want to deal with anything out of the ordinary and my cars are just that - out of the ordinary. Unless I stay with a classic car type of insurance plan, I can't drive the vehicles at all because no insurance company I've spoken to will insure them.
Since the classic car insurance plans I've found severely limit when and where (and how much) I can drive my cars, they are essentially useless to me.
Does anyone have a contact for a company that will insure hot rods / replicas and homebuilt vehicles?
Thanks in advance,
Dave