Insurance

[McCall Pinz]

reviving this old thread about insurance- how do you guys handle the "no offroad" portion of Hagerty's insurance?

[texas pinzgauer]

I handled it by going with Progressive!

[undysworld]

Same.

[westernair]

Are you ever going to use your insurance for off-roading?
If not I don't think it is a problem.
I have hagarty for my truck and when they asked me the question about weather I will use it off road or not I just answered well I will drive it on dirt roads. They acepted that and did not ask anything else.

[David Dunn]

Watch the terms used... are you "off roading" or trail driving? Pretty much any insurance company can disallow a claim for "off roading". Trail riding is different, and if you do something stupid, they can walk away from a claim too.
With Hagerty, An event "trail ride" would be covered... and that differs by who you ask and how you word it.
I use the insurance for the on road protection, and if off road, I consider myself "self insured" for damaged to my own vehicle.
Probably without exception, every policy has the words "due diligence" which basically means you won't do anything to cause a claim, or they can decline a claim.... wording is everything

[TechMOGogy]

Watch the terms used... are you "off roading" or trail driving? Pretty much any insurance company can disallow a claim for "off roading". Trail riding is different, and if you do something stupid, they can walk away from a claim too.
With Hagerty, An event "trail ride" would be covered... and that differs by who you ask and how you word it.
I use the insurance for the on road protection, and if off road, I consider myself "self insured" for damaged to my own vehicle.
Probably without exception, every policy has the words "due diligence" which basically means you won't do anything to cause a claim, or they can decline a claim.... wording is everything

X2
Insurance for on road liability and theft
It's my problem if I break or dent something off-roading

[berger]

X2
Insurance for on road liability and theft
It's my problem if I break or dent something off-roading

X3

Exactly the way I look at....I just renewed my truck today with Haggerty/Lant...$189 for the year.


Sent from my iPhone

[David Dunn]

What is funny about Hagerty is that you can get different answers to the same basic question. I like to talk to them rather than email, and had a 1300 Mog turned down 3x before accepted. Mostly because it was "too new", yet jumped at a 1995 Defender SW. I've even had them apologize because they didn't have a catagory for something. Knowing that it would initially be turned down, I've primered them for the M1094 , and got a "positive" "declined at this time"...the pictures submitted were in its "delivered" condition, so anything less than a ROFLMAO was positive.
Next month, I'll be resubmitting it, as it should be ready for the road then, and pics showing impressive improvements. I already have plans for a memorial day event and a parade