I feel like the more details I give, the higher the price goes...
Had a similar thing with my old Volvo. I mentioned it had a rebuilt carb and suddenly they wanted to know if it was “modified for racing.” Just can’t win—sometimes I think saying less is safer, but then I worry about coverage if something happens.
Had the same thing happen when I tried to insure my old Mercedes coupe. Mentioned the custom exhaust and suddenly they’re asking if I “track” the car. I get wanting to be honest, but it feels like a trap sometimes. Ever had them ask about mileage and then act suspicious if it’s low?
I get where you’re coming from, but I kind of see why they ask all those questions. I mean, if someone’s barely driving their car, or it’s got mods, that changes the risk for them. Still, it does feel a bit much sometimes. I just try to keep everything documented—photos, receipts, mileage logs—just in case they start getting weird about it. Not worth risking a claim being denied over a technicality, you know?
I totally get wanting to have all your paperwork in order, but honestly, it kind of bugs me how picky they get. I drive my classic to work a couple times a week, and the hoops I jump through just to save a few bucks are wild. Last year, they wanted odometer pics every quarter—like I’m gonna take my ‘78 out drag racing or something. Still, I keep up with it because those premiums add up fast. Just wish they’d chill out a bit with the suspicion sometimes.
I hear you on the paperwork grind. Classic car insurance does seem to come with a lot of red tape these days. I remember when I first got my ’69 registered—just had to send in a mileage estimate and that was it. Now, between quarterly odometer pics and all the fine print, it’s almost like they expect us to be running a taxi service with these old beauties. But you’re right, those premium savings do add up over time. Bit of a hassle, but at least it keeps the costs from creeping up too much.