Good to hear about hagerty. They are on my short list once my car is done.
As others said...
this thread is useless without pics.
I would politely suggest you not wait until your car is done. You can insure your car while it is in "Project" status and it's not very expensive. It would really suck if your project was damaged in a fire, stolen or fell off a trailer and you lost everything you put into it.
We're drifting a bit here, but since people are once again asking about classic car insurance:
I have Hagerty and over the years I have politely grilled them every way from Sunday about their coverage. Obviously, one must check everything in writing, but here's the deal:
- My Mustang must be typically stored in a locked garage.
- My Mustang cannot be my daily driver.
- If I want to occasionally drive my Mustang to work, it's covered.
- If I want to drive my Mustang to an event or just on a trip and I need to park it overnight at a hotel, it's considered "In Use" and it's covered.
- If I drive my Mustang on a race track, it is NOT covered. Although technically it's not a race track, pretty sure this includes Autocross events. (You can buy track day insurance, but it's typically over $1,000 a day.)
- There is no annual mileage limit; period. Never mind what people from "back in the day" say about coverage horror stories. My Hagerty policy does NOT have mileage limits. They've never even asked me for an odometer reading or pictures of my Mustang.
- Hagerty insures my Mustang for just over $46,000 (that was Hagerty's value). The cost is just over $500 a year. Keep in mind insurance prices are all over the place. There are many variables to include where you live and even your credit score. It's not fair, but that's the way it is.
Nobody is perfect, but I've talked to multiple people who filed claims through Hagerty and all of them were pleased.