I've had a few specialty policies over the years, and yeah, some insurers can be picky about storage. Mine required a locked garage and at least a basic alarm system—nothing too fancy though. Never had anyone ask about fire suppression systems personally, but I guess it depends on the car's value and rarity. Honestly, the requirements weren't too bad to manage...just a bit of upfront hassle, but worth it for peace of mind.
Yeah, I’ve run into the same thing—locked garage, alarm, and they wanted photos of the car in its spot. Never had anyone push for fire suppression either, but I guess if you’re insuring something super rare, they might. Honestly, once you get through the paperwork, it’s not too bad.
- Locked garage? Check. Alarm? Check. Photos? Oh yeah, they wanted those too—felt like I was applying for a passport for my minivan.
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Never had anyone push for fire suppression either, but I guess if you’re insuring something super rare, they might.
Fire suppression sounds intense... I mean, my “vintage” is more like “old family hauler,” so maybe that’s why no one’s asked.
- Did you have to list every single mod or just the big stuff? I swapped out my radio for something that actually gets Bluetooth, and the agent acted like I’d installed a jet engine. Anyone else get grilled over tiny upgrades?
I had to list every mod, even the stuff I thought was barely worth mentioning—like swapping out the dome light for an LED. The agent seemed way more interested in my aftermarket floor mats than the actual engine work. Is this just a paperwork thing, or are they really that picky?
Honestly, insurance folks can get weirdly fixated on the tiniest stuff. I had one ask about my air freshener once, like it was a security risk or something. I think it’s mostly a paperwork thing, but yeah, they can be that picky. Just gotta play along if you want the coverage.