Originally posted by bishir
Maybe you should check again about Hagerty's mileage restrictions. I was told many times that there are no mileage restrictions. The vehicle just can't be driven to work. Trips to the store are okay.....
Just called Hagerty and tried 2 different phone reps for consistency. Their stories were consistent.
* The like to see not much more than 2,500 miles per year for vehicles such as ours, but this can be extended upwards for special trips (like a 600 mile one way trip to nationals) or circumstances;
* Cars must be kept in a locked garage;
* Each driver in the household must have another vehicle for regular use. The reps told me that this can be negotiated if one lives in a major metro area and walks, takes public transit, etc. to work.
*
Permitted use: Both representatives were very clear on this. You can take her on trips, to events, to clubs, to dinner or the ice cream shop, but get dinged at home depot, the mall, the convenience store, or something else that suggests everyday use and you're going to have trouble. I specifically described my intended use to each "Not a daily driver, not to work, but occasionally used on weekends and nights for errands and visiting friends" and both said this did not fit their intended coverage. They said claims under such circumstances would be decided on a case-by-case basis, but that's too much risk for me.
* What is very nice that their agreed upon coverage is just that, and doesn't use actual cash value (depreciation) or an "up to" stated value policy. I had to go around and around with Allstate to get my current policy not to be set up to weasel me; Hagarty values are not setup to hose you!
Summary: Be careful! Read your policy carefully, and talk to your agent.
Hope this helps someone. Best,
Scott