Insurance Problems

[olddog]

Robbin,

Is your purpose of this thread to wake us up, and hopefully reduce the claims? Or is the purpose to look for solutions to the claims problems? Since you are not the insurance company, I doubt you have much influance in the policies, but I may be wrong.

One thought that came to my mind is that driving a car you are not familar with certainly makes handling in adverse conditions harder to do, at least that is my experiance. My policy has a 3000 mile per year maximum. I understand I can purchase more miles/year. I also understand that from the insurance companies perspective, the more miles driven, the more opertunities for an accident. However, one would think that if the "driving school improves skills and therefore reduces accidents" theory is correct then restricting driving experiance (miles/year) would also be counter productive.

Now the driving school makes since to me. I think Cobras are different than a lot of classic cars in that they are the ultamate performance car. Many other classic cars are purely for show, in the owners mind (certainly not all). Those that are extream performance cars are more likely to be originals that are not replaceable. From this I suspect Cobra replica owners are more likely to treat their car as a performance machine than other classic car owners. This differance may mean that what reduces claims in other classic cars may actually increase claims with Cobra owners. So it may be interesting to compare actual miles driven per year (life time total as well) verses claims.