[kevins2]

Not too long ago, there was an insurance related thread where some debate was taking place about what you are and are not allowed to do with a classic car policy. I couldn't find that thread just now but finally got around to calling Robbin at Midwest Classics (my insurer) to get a couple of clarifications and thought I'd post them here. My policy is limited to 6,000 miles per year and I do not have the drive-to-work option, so the policy states the car is to be used for pleasure drives, car shows, parades, etc. It also states that it can't be used as back-up transportation or for running errands. The debate I read somewhere was about going to restaurants with a Cobra covered under one of these policies. So, Robbin clarified the following:

It is fine to take a pleasure drive and stop at a restaurant. It is also fine to take a longer pleasure drive that involves an overnight stay in a hotel or with friends/relatives. As for running errands, although that is prohibited, it is ok to stop somewhere to pick something up while on a pleasure drive. So, if you got in an accident with a bag of stuff from a store in the trunk - no big deal. However, if you had bags of stuff from multiple places, that might call the errand exclusion into question.

Disclaimer: Not all policies are alike so if you have questions about your own policy you should call your agent. My purpose was to pass along some information regarding the specific type of policy I have from Midwest Classics since there was some debate and uncertainty about allowed uses. I asked Robbin if I could share the information he gave me and he said that was fine and welcomes anyone to call if there are additional questions.