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04-28-2008, 04:46 PM
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CC Member
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Join Date: Jul 2004
Cobra Make, Engine: 289FIA
Posts: 12
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Not Ranked
Definition of "errands" for restricted insurance policy?
I've read through many of the threads regarding insurance and wondering if anyone has had to challenge the definition of "errands" for a policy that restricts usage. I've asked several agents how the insurance companies interpret "errands" and have not received a consistent / definitive answer.
I currently have an unrestricted policy but the cost is way too high and I'd like to switch to a lower cost policy that more accurately reflects how I use the car. However, I am concerned about signing something that says I will never take the car on an errand.
Thanks in advance for sharing your experience.
Marc
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04-28-2008, 05:10 PM
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Senior Club Cobra Member
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Join Date: Oct 2006
Location: Santa Cruz,
CA
Cobra Make, Engine: SPF 2613 Titanium w/Black, Roush 402SR
Posts: 4,097
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Not Ranked
Just don't get in a wreck with a trunk full of groceries or the dry cleaning. 
That is a tough one. I hope that stopping for coffee after my wife and I went for drive on Sunday isn't considered an errand.
__________________
Doug
No stop signs, speed limit - Nobody's gonna slow me down - Like a wheel, gonna spin it
Last edited by Got the Bug; 04-28-2008 at 08:08 PM..
Reason: typo
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04-28-2008, 05:56 PM
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CC Member
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Join Date: May 2001
Location: California,
Ca
Cobra Make, Engine: NAF 289 Slabside Early Comp Car with 289 Webers and all the goodies. Cancelling the efforts of several Priuses
Posts: 6,592
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Not Ranked
An undewriter will have to define the wording used in a policy. They are the representatives that decide what the acceptable risk management is. They are the "GO TO" people the agents seek outif they have a question. For an agent to do so would be a huge liability for themself for an area that is puposely left vague. Word Games
"You see it was like this.....I parked in front of your office to go in an pay my premium and THAT'S when the car was stolen."
__________________
Rick
As you slide down the Banister of Life, may the splinters never be pointing the wrong way 
Last edited by Rick Parker; 05-01-2008 at 05:39 PM..
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04-28-2008, 07:51 PM
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CC Member
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Join Date: Oct 2007
Location: Rockford / Mesa, AZ,
IL
Cobra Make, Engine: FFR, 347, 462 hp, 4 barrel
Posts: 487
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Not Ranked
Mine said not to level it is a mall parking lot for hours and I cannot take it to work. They do not want it sitting for long streches unattended in a parking lot, was my take on it. I asked if going out to eat was OK and they said yes, so draw your own conclusion....
Lee
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04-28-2008, 08:10 PM
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CC Member
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Join Date: Jul 2007
Location: Waterford,
PA
Cobra Make, Engine:
Posts: 1,384
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Not Ranked
A short trip taken to perform a specified task.
Basically, my interpretation would be htat you can't take it to get groceries, pay bills, etc. Pretty much ANYTHING that you would normally do in your daily car.
Sounds like a show and parade coverage. Blah.
I have to ask, but how much are you paying that is too much? I've seen people paying under $500 per year for an unlimited coverage.
__________________
 Bagram AF Afghanistan
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04-28-2008, 08:48 PM
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Senior Club Cobra Member
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Join Date: Jul 2002
Cobra Make, Engine:
Posts: 15,712
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Not Ranked
I think Hagerty used to have a policy that was specifically for 'shows' and 'parades' and such. Cruising on the weekend for fun or errands of any kind were out.
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04-29-2008, 03:56 PM
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CC Member
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Join Date: Jul 2004
Cobra Make, Engine: 289FIA
Posts: 12
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Not Ranked
I am almost embarrassed to admit that I am paying over $2200 / year through Progressive. I would be fine paying half of that for a policy that is limited in mileage but more flexible in how the car is used.
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04-29-2008, 05:08 PM
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CC Member
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Join Date: Mar 2000
Location: Fairfield, NJ, USA,
NJ
Cobra Make, Engine: A & C, 351W, Tremec 3550. Exiled Member: Club Cranky
Posts: 5,897
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Not Ranked
Every time I tell the wife "I'm going out for a quart of milk" it takes about an hour in the Cobra and about 15 minutes in my daily.
Roscoe
__________________
Roscoe
"Crisis occurs when women and cattle get excited!"....James Thurber
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04-29-2008, 05:17 PM
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CC Member
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Join Date: Dec 2001
Location: San Diego,
CA
Cobra Make, Engine:
Posts: 2,977
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Not Ranked
Mine is unrestricted use through State Farm for under $1000/year
__________________
Remember, It's never too early to start beefing up your obituary.
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04-29-2008, 08:19 PM
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CC Member
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Join Date: Jul 2007
Location: Waterford,
PA
Cobra Make, Engine:
Posts: 1,384
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Not Ranked
I would SERIOUSLY look elsewhere for insurance.
try state farm, Midwest Classic, or grundy. I've always been a grundy fan. But I'm not sure if they've jumped the "No cobra" bandwagon.
__________________
Bagram AF Afghanistan
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04-29-2008, 08:28 PM
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CC Member
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Join Date: Mar 1999
Location: TACOMA,
WA
Cobra Make, Engine: Everett Morrision FE 427 so 2-4s
Posts: 2,008
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Not Ranked
I supposed that going to the gas station for a partial tank of gasoline would be considered an erand?
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Mike H
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04-29-2008, 09:02 PM
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CC Member
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Join Date: Feb 2006
Location: Thousand Oaks,
CA
Cobra Make, Engine: Classic Roadster
Posts: 1,360
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Not Ranked
State Farm, 3000 mi limit, for about 700.00 per year. Factor in multiple coverage discounts and a good driving record. Knock on wood! $2200 is a lot.
John
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04-29-2008, 10:07 PM
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Regularly Offensive
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Join Date: Feb 2006
Location: yuba city,
ca
Cobra Make, Engine: spf
Posts: 1,231
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Not Ranked
My state farm has no restrictions and I have a total on mine, Less than $1000.00 a year. Full coverage..............
Get rid of the progressive.........
BTW I like Ricks idea.....
__________________
Ed
Too close for missles, switching to guns.........
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04-30-2008, 02:04 AM
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CC Member
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Join Date: Jan 2008
Location: gilbert,
az
Cobra Make, Engine: Factory Five, 8.5 Liter BBF
Posts: 11
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Not Ranked
I use this company.
http://www.classiccarinsurance.com/
Check them out. They insured my cobra (2500 miles unrestricted) for $400 per year and I am under 25yrs old. Can't beat it. |
04-30-2008, 05:41 AM
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Senior Club Cobra Member
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Join Date: Aug 1999
Location: Ellington,
CT
Cobra Make, Engine: Classic Roadster 351W, T5, Red & White
Posts: 3,478
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Not Ranked
I checked with my insurance agent ( used for the Cobra, AMX and Corvette ) regarding errands and received the following reply:
Hi, Generally, if the sole purpose of getting in the car is to go get
groceries or the dry cleaning that's an errand. If you're out for a pleasure
drive and stop for a cup of coffee or a sandwich you're OK. All the classic
companies are looking for a low use exposure in return for the lower pricing
compared to regular insurance. The wording in the policy attempts to backup
this concept. They are not necessarily looking to deny coverage at every
turn but do look at each claim individually. I, as an agent, try to err on
the side of caution for my clients and say the farther away from the " gray
fuzzy area" you can stay the better off you'll be. In fact, if I feel
someone may use their car outside the rules of these classic policies I'll
suggest they do seek out a standard type policy where there are no
restrictions.
Hope this helps some.
Mike
msmith@classiccarinsurance.com
__________________
2014 Porsche Cayman S, 2014 M-B CLA 45 AMG,
Unkown:"Their sweet lines all but take my breath away, and I desire them as much for their beauty as for their use "
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04-30-2008, 06:02 AM
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CC Member
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Join Date: Aug 2007
Location: Carlsbad,
Ca
Cobra Make, Engine: SPF 2932 with 438 Lykins Motorsports engine. Previous owner of FFR 5452.
Posts: 2,616
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Not Ranked
Quote:
Originally Posted by xlr8or
Mine is unrestricted use through State Farm for under $1000/year
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Same here, State Farm, unrestricted use and 7500 miles per year. $650/year.
Guys, stop dickin around with insurance. Go with the Big Dog, you will be glad you did IF you get into an accident.
Call Whitby's if you ever doubt the way State Farm handles their Cobra claims. |
04-30-2008, 09:34 AM
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CC Member
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Join Date: Nov 1999
Location: Las Vegas,
NV
Cobra Make, Engine: Classic Roadster; 351W
Posts: 743
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Not Ranked
Only the premium amount and when the premium is due are fully defined. Everything else is subject to negotiation. I heard Haggerty stopped writting replica (Cobra) policies. Is that true?
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04-30-2008, 09:57 AM
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Senior Club Cobra Member
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Join Date: Jun 2007
Location: Covington,
wa
Cobra Make, Engine: Superformance # 532, 466 BB, 560HP
Posts: 3,027
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Not Ranked
Quote:
Originally Posted by Curt C.
Only the premium amount and when the premium is due are fully defined. Everything else is subject to negotiation. I heard Haggerty stopped writting replica (Cobra) policies. Is that true?
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Yep, sure is true. |
04-30-2008, 10:47 AM
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CC Member
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Join Date: Feb 2006
Location: Thousand Oaks,
CA
Cobra Make, Engine: Classic Roadster
Posts: 1,360
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Not Ranked
Quote:
Originally Posted by jhv48
Same here, State Farm, unrestricted use and 7500 miles per year. $650/year.
Guys, stop dickin around with insurance. Go with the Big Dog, you will be glad you did IF you get into an accident.
Call Whitby's if you ever doubt the way State Farm handles their Cobra claims.
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JHV48, can you elaborate on the Whitby's/State Farm/Cobra claims comment? How do they handle it?
John |
04-30-2008, 11:10 AM
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CC Member
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Join Date: Aug 2007
Location: Carlsbad,
Ca
Cobra Make, Engine: SPF 2932 with 438 Lykins Motorsports engine. Previous owner of FFR 5452.
Posts: 2,616
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Not Ranked
Quote:
Originally Posted by MaSnaka
JHV48, can you elaborate on the Whitby's/State Farm/Cobra claims comment? How do they handle it?
John
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They stated that they had had several repair jobs for Cobras and had had good experiences (hassle free) with State Farm claims reps as opposed to Geico and a few others.
That was enough to sell me. |
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