That’s wild, I didn’t realize insurers could be that picky about old cars. Did they actually check what kind of alarm you put in, or just take your word for it? I’m wondering if there’s a real difference in theft risk for these older wagons, or if it’s just a box they want ticked.
In my case, they actually wanted proof—like a receipt or installation certificate for the alarm. Some companies just ask, but the higher-value policies tend to be stricter. I get it though; older wagons can be easier targets, especially if they’re rare or have classic appeal. If you’re shopping around, I’d recommend documenting everything you add for security—photos, serial numbers, whatever you can get. It’s a bit of a hassle, but it can save a lot of headaches if you ever need to make a claim.
If you’re shopping around, I’d recommend documenting everything you add for security—photos, serial numbers, whatever you can get.
Yeah, totally agree on keeping records. I learned the hard way—my last insurer wouldn’t cover a stereo theft because I didn’t have receipts or pics. Also, some policies have weird exclusions for “classic” cars, so it’s worth double-checking the fine print. Even dash cams can help if there’s ever an incident. It’s a pain but pays off when things go sideways.
That’s a good point about dash cams—I’ve wondered if insurers actually give any discount for those, or if it’s just for your own peace of mind. I’ve got receipts for most upgrades, but some stuff was bought secondhand or swapped with friends, so tracking it all is tricky. Has anyone had luck getting coverage for add-ons without official paperwork?
I’ve actually wondered the same about dash cams—seems like they should count for something, but I’ve never seen a discount offered. About the add-ons, do you think photos or even texts with your friends could help prove ownership if you ever had to make a claim? I mean, not everyone keeps every receipt forever...
