[classicauto]

Don -

Our policies are the same as Hagerty, Grundy, Midwest Classic, American Hobbyist, etc. We all restrict driving the car in anyway that would replicate daily driving (work, errands, etc). I don't know of many insurance companies that want to let a collector auto (specifically a Cobra Replica) that is insured at Agreed Value, be a daily driver. Just want to clarify that factor. As far as what we deem pleasure use: our vehicle usage form like most reads like this: Vehicles can be used for Occasional pleasure use driving, exhibitions, club activities, parades, and other driving not in violation of the following provisions; 1) backup transportation 2) Errands 3) Driving to work or school 4) Business or commercial purposes 5) Utility use (i.e. hauling, etc) 6) participation in, practicing, testing for any racing, speed contest, time trial or track event of any kind, whether competitive or not.

We send this form out with every quote for a Cobra Replica. Not too many people have a problem with it, however, we do have the occasional that does. Unfortunately, with car insurance you will never get the best of both worlds (drive the car anywhere, pay a decent premium, with agreed value coverage). If I can clarify anything else, please let me know.

Also, in response to another post in this thread. Great American folded their personal auto program into a new company Infinity Property and Casualty. After that was completed, Infinity spun itself off and went public. The mention Doug had on unlimited mileage only pertains to California policies only. In CA we offer 1000, 3000, or unlimited driving. The unlimited program still adheres to the outline I stated above.

If I can answer any insurance related questions for anyone, please PM me.