insurance for a rotus

[Robert O. Urfer]

Anyone have any good sources for insurance for a rotus?

[slngsht]

Try Hagerty.



Did you just buy one? It's not Alec's Rotus from MD, is it?

[Robert O. Urfer]

Yes i am buying Alec's. I am coming to pick it up on the 17th of december.

[slngsht]

congrats!



I live about 20 minutes away from him. definitely drop me a line when you're in the area.



You may want to touch base with Dennis as well. He's on your way back to Ohio. He'll be a good resource for you.

[Robert O. Urfer]

Thanks, I will send you a message before I leave to come out. I was in the area about a month ago to visit a client and that is when I drove over and took a look at the rotus Alec had. It needs some work but I am excited to get it. I have been dreaming of a seven type car for about 12 years now. I turned 29 today so I told my wife it is a birthday/ christmas present to myself.



I will keep in touch.



Robert

[slngsht]

BTW, here are some pictures of your car http://www.usa7s.com/aspnetforum/images/emoticons/smile5.gif



http://www.usa7s.com/forum/uploads/slngsht/alec/rotus0706email%20011.jpg

http://www.usa7s.com/forum/uploads/slngsht/alec/rotus0706email%20012.jpg

http://www.usa7s.com/forum/uploads/slngsht/alec/rotus0706email%20013.jpg

http://www.usa7s.com/forum/uploads/slngsht/alec/rotus0706email%20014.jpg

http://www.usa7s.com/forum/uploads/slngsht/alec/rotus0706email%20015.jpg

http://www.usa7s.com/forum/uploads/slngsht/alec/rotus0706email%20016.jpg

http://www.usa7s.com/forum/uploads/slngsht/alec/rotus0706email%20017.jpg

[solder_guy]

Well Hagerty doesn't like that I have a carport. So they rejected my application. Other suggestions?



Let me add a few emoticons here:   http://www.usa7s.com/aspnetforum/images/emoticons/mad5.gif http://www.usa7s.com/aspnetforum/images/emoticons/cuss.gif http://www.usa7s.com/aspnetforum/images/emoticons/icon_bs.gif http://www.usa7s.com/aspnetforum/images/emoticons/banghead.gif



Rob Mitchell

<edited><editID>solder_guy</editID><editDate>2007-03-30 13:30:30</editDate></edited>

[scannon]

Sorry to hear that. I signed up with Haggerty yesterday and I was asked several times where I would be keeping the car. Fortunately I have a locked shop as well as an attached garage.



As a data point, my premium was $484 per year with a $30k agreed price, no deductables and 4k miles per year. We'll see if that is enough (s)miles per year or not.



Skip

[Robert O. Urfer]

My price with Hagerty is $218 agreed price $10,000 and 2000 miles per year.

[WestTexasS2K]

I have my insurance thru State Farm. It is an agreed value coverage 30k no limit on mileage. I do have my home and other auto insured thru them. I know you have to have other insurance with them for them to cover a kit car. They don't like it much, but will for thier customers. I think I pay 580.00 a year for full coverage.

[slomove]

Well Hagerty doesn't like that I have a carport. So they rejected my application. Other suggestions?



Let me add a few emoticons here:&nbsp;&nbsp;&nbsp;http://www.usa7s.com/aspnetforum/images/emoticons/mad5.gif http://www.usa7s.com/aspnetforum/images/emoticons/cuss.gif http://www.usa7s.com/aspnetforum/images/emoticons/icon_bs.gif http://www.usa7s.com/aspnetforum/images/emoticons/banghead.gif



Rob Mitchell





yeah, their typical customers keep a dust cloth over the cars, polish them every weekend and drive one of their treasures up and down main street when the sun shines only. After all it is a collector's car insurance and who would expose a collector's car to the elements? I think that is part of the deal. Don't even think of mentioning track days or autox. My latest Hagerty contract practically disclaims any coverage if you even come close to a racetrack.



Gert

[scannon]

Don't even think of mentioning track days or autox. My latest Hagerty contract practically disclaims any coverage if you even come close to a racetrack.



Gert



The Haggerty forms I filled out asked about racing, rallying, etc. I put down that the car was used for non-competetive track events. When we talked on the phone I again explained about the track events and told them I understood that the car was not covered while on the track. They had no problem with that. I don't expect an insurance company to cover a loss on the track, BTDT.



I think the reason they rejected based on the carport is the possibility of theft and valdalism.



My only problem with Haggerty was getting them to agree to insure a car newer than their stated age limit of 1986.



I had to move up the food chain a level or two and found someone who agreed that it fit under their replicar guidelines and it is insured as a 1950 Lotus 7 with the Caterham VIN. The forms I submitted to them clearly state that the car is a 2004 Caterham SV so I don't think that leaves them any room to weasle out should I have a claim.



FWIW, they will not insure any Cobra kit car.



Skip

[slngsht]

FWIW, they will not insure any Cobra kit car.



Skip



Because everybody knows Cobras are scary fast http://www.usa7s.com/aspnetforum/images/emoticons/wink5.gif

[solder_guy]

I think the reason they rejected based on the carport is the possibility of theft and valdalism.



Well I've tried 6 specialty insurance companies and they all require a locked garage. So I guess I'm going to build a plywood structure within my carport to contain my Rotus. It will probably be an ugly box into which I roll it when not in use.



So before it was not apparent that I had something special hiding in the carport .. now it's going to be very obvious that something is there.



Any better ideas or suggestions?



Rob

[MHKflyer52]

You might want to look into renting a storage unit or garage which could also give you a place to tinker with your car.

[solder_guy]

You might want to look into renting a storage unit or garage which could also give you a place to tinker with your car.



Right now I'm thinking of building a >Mini Garage Kit (http://www.2x4basics.com/shed-kits.asp) .. at the far end of the driveway .. 8' wide by 14' deep all 2x4s and plywood.



This should satisfy all the "sky is falling" insurance companies http://www.usa7s.com/aspnetforum/images/emoticons/yesnod.gif



I like all their kits. You can get them cheapest at >Northern Tool and Supply. (http://www.northerntool.com) http://www.usa7s.com/aspnetforum/images/emoticons/yesnod.gif



Rob

<edited><editID>solder_guy</editID><editDate>2007-04-07 03:08:55</editDate></edited>

[WestTexasS2K]

I found this insurance on the the One Lap of America web site. This is a British insurance company that covers cars that are driven on the track. I sent in the form for the a quote, havent gotten it back yet but others may want to check it out.





You could have your coverage that covers the car on and off the track.



http://www.onelapofamerica.com/whatsNew/index.shtml?0121[/URL]