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Originally Posted by J-440
So I applied for classic car insurance from these yahoos and get denied coverage. First off, they have insurance for stock and modified cars. I apply for modified and answer all questions honestly...my mistake I guess! My first reason was that my engine had been beefed up to a little over 500HP. Anything over 500 and your'e denied. Most musclecars of the 60's had over 400 at the crank. So I get denied for having an extra 100. They also deny cars with roll cages. Guess they don't know that cages make the car stiffer and handle better making it safer than stock. Denied!! I also was too honest and said that I would be taking the car to amateur track events and autocrosses. So hitting orange cones in a big-ass parking lot is also a no-no.
So my lesson learned is don't upgrade your chassis or engine to make the car safer and more fuel efficient or else the Prius desk jockeys will shoot you down. Oh and don't be honest with these folk. Just lie your ass off!! Thanks JC!!
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Hi JC,
I read the post. JC Taylor is one company that I do not use for the reason that you mentioned. I insure heavily modified cars with no problems with my companies. What I have to do is send the company pictures & specs of the vehicle to get pre-approval. Ninety percent of the time I get the okay to write it. The one thing classic car companies do not want is for the car to be used in races. For that we have to go to a specialized type Lloyds of London type of company & that could be costly due to the risks involved. If you like please contact me & I can discuss options. Like I have mentioned in earlier posts I am not tied down to one company. If I get a rejection from Classic Collectors I can check other companies. Take care & hva e great weekend!!
Mark
Classic Collectors
877-654-1948
[email protected]