Javelin MegaDork
Jan. 22, 2013 3:58 p.m.

I would really like to get my 1973 AMC Javelin onto a classic or agreed-value policy. It has Washington State Collector plates on it. It runs and drives and I use it to go to work on nice Fridays Spring-Fall and to car shows, cruises, and the like. I have a daily driver car with normal insurance.

The problems I've run into are, 1. It's not garaged; 2. It's not re-painted (yet); and 3. It's not worth at least $20,000.

Those are the three denials I have received from three companies so far.

Is there anywhere I can get a policy requisite with the mileage/usage limits already in place by the plates? I'd like to insure it for around $7,500 right now. It is a rolling project, so I am constantly working on it and improving it, and I document everything (see the longest Build Thread in this forum...).

Thank you.

spitfirebill UltraDork
Jan. 22, 2013 4:00 p.m.

I think the no garage is going to be the deal breaker.

Toyman01 PowerDork
Jan. 22, 2013 4:10 p.m.
spitfirebill wrote: I think the no garage is going to be the deal breaker.

This. Everyone I've talked to says lockable garage. An enclosed trailer doesn't count, I tried that rout before I bought a house with a garage.

Keith Tanner MegaDork
Jan. 22, 2013 4:15 p.m.

Agreed. Hagerty had no problem with my inexpensive, slightly ragged MGB (or the more valuable, highly modified later incarnation) but it has to be garaged.

Javelin MegaDork
Jan. 22, 2013 4:18 p.m.
spitfirebill wrote: I think the no garage is going to be the deal breaker.

I've had two different companies be okay with this, but one wanted it to be worth $20K minimum, and the other wanted it painted first (no projects).

My home has a garage, the car just doesn't physically fit (thanks to the stuff they like to build into garages, like the laundry room and water heater).

Curmudgeon MegaDork
Jan. 22, 2013 4:45 p.m.

Yeah, that whole 'garaged' thing is a biggie. With American Collectors (through Grundy Worldwide), I also had to show I have a daily driver. The Jensen has an agreed value of $12,000.00.

Javelin MegaDork
Jan. 22, 2013 5:08 p.m.

In reply to Datsun1500:

I'm going to lie to get insurance. Also, the question is usually "is it garaged?".

BoxheadTim PowerDork
Jan. 22, 2013 5:43 p.m.

Is there a storage place near you where you could rent a unit for the Javelin? That might be enough to satisfy the "garaged" requirement.

Raze SuperDork
Jan. 22, 2013 8:47 p.m.

Uh, Condon & Skelly insure my Fiat, the lowest value they will insure it for $3,500, when I first asked to insure it for $2,500 the guy on the other end said, sure, as long as it's worth $3,500 , I paid $90 for this year with as much coverage as my daily drivers and I don't have Safe Auto if you catch my drift. I don't have any mileage restrictions or use restrictions, can drive it to work, AutoX, car shows, the mall, across country, but the only rule is that its garaged. I think that's going to be a killer any way you slice it. You could try working something out with them, perhaps ask what constitutes a garage, I can think of a cheap HF car-tent solution that might pass muster.

Javelin MegaDork
Jan. 22, 2013 9:00 p.m.

In reply to Datsun1500:

Gee, thanks for the "advice".

Javelin MegaDork
Jan. 22, 2013 9:01 p.m.

In reply to Raze:

I've never heard of them, which is good! I'll give them a call tomorrow. I can (and do) park it in the backyard behind a locked gate if it's theft they're worried about.

You'll need to log in to post.

Also on Grassroots Motorsports

Mark Your Calendars: August 18 Is Wear Your Helmet to Work Day

9 hours ago in News

Wear your racing gear to work and win prizes.

Your Projects: Wide-Body, V8-Powered Porsche 944

10 hours ago in News

Wing, flares, V8 swap and more!

You Need This: A Real 1LE Camaro

10 hours ago in News

Chevy only built 62 1LE Camaros that year.

We're Back In Monterey for Car Week

20 hours ago in News

And so it begins, another trip to Monterey Car Week.

Little Car Show: Celebrating All Things Quirky and Small

1 day ago in Articles

As the name suggests, the Little Car Show is all about little cars.

Concours d’Lemons to Ruin Monterey Car Week Yet Again

1 day ago in News

What started as the anti-concours has transformed into a major event on the Monterey Car Week schedule.

You Need This: A Quite Eye-Catching Green Over Red Ferrari

1 day ago in News

Not your usual Ferrari color combo.

Your Projects: JDM Autozam AZ-1 Kei Car

1 day ago in News

What are the realities of importing a JDM kei car to the U.S.?

Bid on a New Helmet and Save Some Puppies and Kittens!

1 day ago in News

Four helmets will be auctioned off.

Tonight on Grassroots Motorsports LIVE! Lee Grimes of Koni Shocks

2 days ago in News

This may shock you, but suspension is arguably the most important part of going fast.

Classic Motorsports Monterey Welcome Party Welcomes 2000-Plus Gearheads

2 days ago in Articles

Last night we threw a party, and more than 2000 people came to celebrate.

You Need This: E46-Chassis BMW M3 for $6000!?

3 days ago in News

Could this M3 donate its heart to your next project?


Grassroots Motorsports Magazine

Subscribe Today

Also get your instant access to the digital edition of Grassroots Motorsports Magazine!

Learn More