Yeah, “full coverage” is one of those things that sounds way more straightforward than it actually is. I used to think it meant everything was covered, but then I found out about the difference between collision and comprehensive. If you’re driving a lot—especially through places with wild weather—you basically have to double-check that comprehensive box, even if it bumps the premium up. It’s a pain reading all the fine print, but I’d rather do that than get stuck with a massive repair bill later. Insurance lingo really doesn’t make it easy.
I learned the hard way when my ‘72 Chevelle got caught in a freak hailstorm a few years back. I thought “full coverage” meant I was good, but nope—turns out comprehensive was optional and I didn’t have it. That language is so misleading. For classics, it’s even trickier, since a lot of regular policies barely touch collector value or rare parts. You’d think insurance companies would make this stuff clearer, but maybe that’s just wishful thinking...
For classics, it’s even trickier, since a lot of regular policies barely touch collector value or rare parts.
That’s the part that gets me. Most “full coverage” policies are basically useless for anything older than 25 years unless you’ve got a specialty plan. I had a buddy lose out big when his ‘68 Charger got rear-ended—insurance wanted to pay out book value, which was a joke compared to what the car was actually worth.
Ever tried getting a quote from one of those classic car insurers? They want photos, mileage logs, garage proof... the works. Makes me wonder if it’s even worth the hassle sometimes, but then again, one bad storm and you’re out way more than the premium.
Curious—anyone here ever actually had a claim go smoothly with a collector policy? Or is it all just marketing fluff?
Honestly, I get where you’re coming from. The hoops classic car insurers make you jump through are no joke—sometimes it feels like you need to submit your life story just to get a quote. But I’ve actually seen a few claims go pretty smoothly, especially when it’s an agreed value policy and all the paperwork’s in order. It’s a pain upfront, but if you ever have a serious loss, that hassle can really pay off. Regular insurance just doesn’t cut it for stuff with real collector value, no matter how “full” the coverage sounds on paper.
It’s a pain upfront, but if you ever have a serious loss, that hassle can really pay off.
- 100% agree on the paperwork grind—sometimes I wonder if they want a DNA sample too.
- That said, I’ve seen agreed value policies actually do what they promise when it counts. Not always perfect, but way better than “full coverage” that turns out to be full of holes.
- Regular policies just aren’t built for collector stuff. The fine print gets people every time... especially with stuff like hail or theft.
- It’s annoying, but the upfront hassle is usually worth it if you’re serious about protecting your investment.
