[Hal Copple]

my insurance company, withwhom i had been insured since the early '60's, would not insure "a kit or componant car" for other than liability. But eventually, i was able to get them to do it because my SPF was a factory built, all new car. With a clean record, fortunately. I challanged them, with lots of paperwork, adds, etc, that if they would ensure a vastly more complicated car like a Corvette, that they should insure me in my SPF like my other cars with them. So the senior underwrite approved my car, no restrictions, no surcharges, on my standard auto policy. It just lists "Ford Cobra" on my papers. I put a lot of effort into assembling a packet of information about my SPF and the went to work on it.

When i need a replacement windshield, they gave it to their glass replacment company, who simply could not understand why a Ford Cobra (Mustang), had a rather costly relacement. It took a lot of phone calls to the glass insurance company to finally get thru to someone who knew about Replicas.

I know of some others who have tried to insure Replicas other than SPF's unsuccessfully with my company, and also know that my company has insured since some SPF's and has turned down some SPF's.

I do know that a lot of SPF drivers have been able to get standard insurance with their companies, because perhaps they had long standing relationships with them. When i was first turned down, i found another national company who would insure it routenely for me (this was four years ago) but fortunately, i was able to stay with my many year company.

I can understand why an insurance company would be reluctant to insure what are often home built cars. Esp powerful ones like ours.

I do not know if they would do it again for me now.

I regret to say that the underwriter told me not to be telling others about their decision to insure me, so i cannot tell you who i am insured with.

Trying being methodical, very well prepared, and work with someone who knows you. I don't think this is something you do very well over the phone. Good luck,