Hagerty upsets me

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427XR7
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Hagerty upsets me

#1

Post by 427XR7 » 18 Jan 2018, 14:27

My 17 year old son and I will be finishing a Father/son 1967 Mustang project in hopes to roll it out come May. I call Hagerty to find out how I can insure him on this vehicle (he has grandpa's Taurus as an every day driver) and was told, "We can't help you". All the press and coverage about Hagerty encouraging the next generation of enthusiasts is BS if the kid can't drive the car due to their refusal to write insurance.

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Blitz
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Re: Hagerty upsets me

#2

Post by Blitz » 18 Jan 2018, 14:55

Huh. What was their reasoning?
-Andrew Chenovick
Photo/Video guy for WEST COAST CLASSIC COUGAR, INC.
Side Gig: FLYING A PHOTOGRAPHY


RIDES:
-1968 Mercury Cougar: original family owned, Polar White, 289-2V, auto, AC / "Snowball" view project thread
-1973 Opel Manta: 1.9L, 5-speed (restored)
-1991 Mazda Miata: fun driver
-1992 Volvo 240 wagon: classy hauling machine

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wish
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Re: Hagerty upsets me

#3

Post by wish » 18 Jan 2018, 15:15

I just switched to them a year ago because I couldn't find anyone who seemed to understand driving the car ...

I think my dad went with Grundy and while I'm an "old" guy it was still part of his request that no matter what I was able to drive the cars and they had no problem with that.

Try finding insurance for an old pickup with a hitch on it. That was a huge problem for Dad and I've not pursued it much as I THINK my regular insurance has managed to keep that one insured despite not understanding how to put a car away for the winter.

As I think back to picking Hagerty, I am somewhat tweaked because they grudgingly insured my Mustang saying "it's not the type of car we normally insure, but since you have the Cougar too ..." and since then I've seen them post article after article talking about how those are part of the upcoming collectibles.
Just my $.02
wish
69 Cougar, That 70s Truck, 84 Cherokee Chief 2dr, 88 Grand Wagoneer, 95 Grand Cherokee,96 Mustang

427XR7
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Re: Hagerty upsets me

#4

Post by 427XR7 » 18 Jan 2018, 15:23

Blitz wrote:
18 Jan 2018, 14:55
Huh. What was their reasoning?
They don't insure youthful drivers. Period. I asked them if they could write a policy for just liability / no collision. No to that, too.

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R Code
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Re: Hagerty upsets me

#5

Post by R Code » 18 Jan 2018, 15:33

Yup, you need to be 25 I think for Hagerty.

On one hand, the best way to engage the next generation in this stuff is to put them in the car, then behind the wheel. On the other hand, by doing so we risk having an uninsured loss on an expensive asset.

I still let my 17 y/o drive the cars, just not without me in the passenger seat.
- Chris

1967 Std 4 speed conversion
1969 XR-7 "R Code" Convertible
1989 Merkur XR4Ti

ccarney69
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Re: Hagerty upsets me

#6

Post by ccarney69 » 18 Jan 2018, 16:16

Yep 25 and older!
1968 GT-E 427 Standard Nordic Blue/Black Décor, driver
1969 XR7 R Code 4 Speed Yellow/Black Top Black Interior, current project no.1
1969 XR7 Q Code C6 Green/Black Top Dark Ivy Green Interior, current project no. 2
CCOA #8275
MACC

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Blitz
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Re: Hagerty upsets me

#7

Post by Blitz » 18 Jan 2018, 16:44

Oh I see. Well, similar reasoning as to why most car rental companies don't let anyone under 25 rent a car. The way I see it, Hagerty's rates are lower than regular insurance companies because they expect that their customers are careful, conscientious drivers of treasured classics that live in a garage and only get driven once in a while. <25 year olds want to have fun and drive the wheels off their cars all the time, and probably don't have an indoor storage option, not to mention they are statistically a higher risk group. It's a generalization that isn't always fair, but it's business.

Here's my question though - if the car is registered to you, and the insurance policy is in your name... are you not covered if something happens when your son is driving?
-Andrew Chenovick
Photo/Video guy for WEST COAST CLASSIC COUGAR, INC.
Side Gig: FLYING A PHOTOGRAPHY


RIDES:
-1968 Mercury Cougar: original family owned, Polar White, 289-2V, auto, AC / "Snowball" view project thread
-1973 Opel Manta: 1.9L, 5-speed (restored)
-1991 Mazda Miata: fun driver
-1992 Volvo 240 wagon: classy hauling machine

DeadStang
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Re: Hagerty upsets me

#8

Post by DeadStang » 18 Jan 2018, 18:37

Blitz wrote:
18 Jan 2018, 16:44
Here's my question though - if the car is registered to you, and the insurance policy is in your name... are you not covered if something happens when your son is driving?
I believe you are violating their terms by allowing him to drive the car;
which you agree to (no one under 25 to drive the car, period) when you pay for your policy;
therefore "no."

Gyrhead
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Re: Hagerty upsets me

#9

Post by Gyrhead » 18 Jan 2018, 19:19

I'm confused. We've got 3 cars on a Hagerty policy and my 18 & 16 year old boys are listed as insured drivers on all 3.

Naturally they only drive the 3 collector cars with me or their Mom riding Shotgun - but Hagerty gave us no issues whatsoever about young operators.
1971 Cougar XR-7 Convertible 351C 4V, 4 speed (medium well done 😥)
1970 Torino Cobra J-Code 429CJ Shaker 4 Speed -1 of 22 black/red
2016 Mustang GT350 Chassis #2710
1988 Mustang 5.0 LX Coupe
2002 Porsche 911 3.6 Carrera
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70b302cat
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Re: Hagerty upsets me

#10

Post by 70b302cat » 18 Jan 2018, 23:49

Gyrhead wrote:
18 Jan 2018, 19:19
I'm confused. We've got 3 cars on a Hagerty policy and my 18 & 16 year old boys are listed as insured drivers on all 3.

Naturally they only drive the 3 collector cars with me or their Mom riding Shotgun - but Hagerty gave us no issues whatsoever about young operators.
It might have something to do with what state you live in.
Dave

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