Interesting point, but do specialized insurers really understand classic cars as well as they do deployment issues? I've found some military-focused insurers aren't always familiar with vintage vehicle valuations or restoration nuances... anyone had experience with that side of things?
That's a fair point actually. I've never personally insured a classic car, but I have dealt with military-focused insurers for regular vehicles, and they're great with deployment-related stuff—pausing coverage, storage options, etc. But classic cars... that's a whole different beast. I imagine valuing something vintage or restored would need specialized knowledge that your typical military insurer might not have.
A buddy of mine had an old Mustang he restored himself, and he ended up going with a specialized classic car insurer rather than his usual military-friendly company. He said the valuations were way more accurate, and they understood the nuances of restoration work better. Not knocking the military-focused insurers at all—they're fantastic for what they do—but maybe classic cars are just too niche?
I wonder if anyone's had luck getting their military insurer to match the expertise of specialized classic car companies...
That's a good observation about classic cars being a different animal altogether. Military insurers are usually solid with standard vehicles and deployment scenarios, but when it comes to classics, agreed-value policies become crucial. I've handled claims where the difference between a specialized classic insurer and a general one was night and day—especially in restoration cases. Has anyone actually tried negotiating an agreed-value policy with their military insurer? Curious if they're flexible on that front...
Tried it once with my military insurer a couple years back—didn't get very far. They seemed pretty rigid on market-value policies, weren't keen on agreed-value at all. Ended up going with a specialist insurer for my '68 Mustang...definitely felt safer knowing exactly what I'd get if things went south. Maybe things have changed since then, but I'd approach cautiously and double-check their fine print.
Haha, gotta love the classic car insurance dance, right? Military insurers can be a bit... let's say "traditional" when it comes to agreed-value policies. They're usually great for your daily driver or family SUV, but throw something vintage or collectible into the mix and suddenly they're scratching their heads like you've asked them to insure a spaceship.
Did you ever get the feeling they were secretly googling "what is a '68 Mustang worth?" while you were on hold? Been there myself with an old Camaro. I swear I could hear the confusion through the phone line. Specialist insurers definitely have their perks—especially when you're dealing with something that's more passion project than practical transportation.
But hey, things do evolve. Maybe they've loosened up a bit since your last try? Sometimes insurers update their policies quietly, hoping we won't notice (sneaky, sneaky). It might be worth another quick call just to see if they've caught up with the times yet. Worst-case scenario, you get another amusing story out of it.
Either way, good call on double-checking that fine print. Nothing worse than thinking you're covered only to find out later you're not quite as protected as you thought... especially when we're talking about a beauty like your Mustang.
