I recently changed from Hagerty Insurance to Delp (a program endorsed by Barrett-Jackson) after they included a brochure in my 2009 Concorso exhibitor packet
While I have not had a claim with them to know how that would go, I was amazed at how inexpensive it was, for agreed value coverage (under $300 per year for $50K agreed value and $1M liability coverage in my case, which includes driving it less than 3K miles a year, and living in the SF Bay Area).
Moreover, I was just reviewing my policy, and the things they cover are amazing. They aren't all even related to normal car-insurance sorts of coverage, like paying for hotel and other living expenses if your car breaks down on a trip, or paying for costs related to locking your keys in the car or losing the keys.
Here is the summary of benefits:
- Agreed Value, but if the car increases in value, will cover up to 50% more than that.
- Includes Diminished Value, for reimbursement to cover the car being worth less after accident repair.
- Can use any repair shop, and still guarantee New OEM parts if available other than windshield (I might choose to pitch in for the additional cost of an OEM windshield if necessary, although I doubt an aftermarket NSX windshield is available anyway given the low numbers)
- Includes roadside assistance (no cost, no limit on frequency)
- Includes excellent towing coverage: In the event of a covered loss or disablement, we will pay, without a deductible, the cost to tow your vehicle to the repair facility of your choice within a 100 mile radius of where your auto became disabled. If the nearest facility authorized by the manufacturer to repair your auto is farther, we will pay the cost to transport it there.
- Unlike my regular auto policy, includes contents coverage for up to $2500 for an accident, break-in, or other incident.
- Includes up to $1000 coverage for an animal in the car hurt in an accident or other incident.
- Includes a rental car: Up to a maximum of $12,500 for temporary transportation expenses incurred by you for comparable transportation in the event of a loss to your covered auto. We will also pay for the loss of the auto if the title is shown to be fraudulent, you did not know it was fraudulent and the auto is confiscated by a public authority.
- Includes coverage for trip interruption/emergency living expenses: We will pay, without application of a deductible, up to a maximum of $2,500 for reasonable trip interruption and emergency living expenses incurred by you as a result of a covered loss to your covered auto or non-owned auto, after collision, other incident, or even for mechanical or electrical breakdown.
- Vehicle Identity Theft coverage: We will pay, without application of a deductible, for expenses incurred to establish ownership as a result of fraudulent and unlawful use of a vehicle identification number by other than an insured under this policy.
- Auto-lock coverage: We will pay, without application of a deductible, for a loss of keys to your covered auto or nonowned auto which include: 1. The cost to duplicate or replace lost or stolen keys; 2. The labor costs to retrieve keys accidentally locked in the vehicle; or 3. The cost to re-key the vehicle locks when the keys are lost or stolen or the vehicle is stolen and then recovered.
- Coverage is worldwide
- Best of all, zero deductible collision and comprehensive (other than earthquake, which is 5% deductible)
What's the catch?
The only negative I can find (again, not having had a claim) is that the underwriter is AIG, and AIG's main auto policy service got only 2/5 stars for customer satisfaction on JD Power's survey. That's pretty bad. But the Delp collector car policy is somewhat separate from their normal auto business, I have the specific guarantees above, and I really have no real comparison point for Hagarty, Sneed, etc. against them, as they weren't listed. Plus, I checked with a friend who runs a body shop, and he said he hadn't had trouble even with regular AIG on covering the full repair costs to fix things right, unlike some insurers.
I wanted to pass this on.
http://www.barrett-jackson.com/insurance/
Chip
While I have not had a claim with them to know how that would go, I was amazed at how inexpensive it was, for agreed value coverage (under $300 per year for $50K agreed value and $1M liability coverage in my case, which includes driving it less than 3K miles a year, and living in the SF Bay Area).
Moreover, I was just reviewing my policy, and the things they cover are amazing. They aren't all even related to normal car-insurance sorts of coverage, like paying for hotel and other living expenses if your car breaks down on a trip, or paying for costs related to locking your keys in the car or losing the keys.
Here is the summary of benefits:
- Agreed Value, but if the car increases in value, will cover up to 50% more than that.
- Includes Diminished Value, for reimbursement to cover the car being worth less after accident repair.
- Can use any repair shop, and still guarantee New OEM parts if available other than windshield (I might choose to pitch in for the additional cost of an OEM windshield if necessary, although I doubt an aftermarket NSX windshield is available anyway given the low numbers)
- Includes roadside assistance (no cost, no limit on frequency)
- Includes excellent towing coverage: In the event of a covered loss or disablement, we will pay, without a deductible, the cost to tow your vehicle to the repair facility of your choice within a 100 mile radius of where your auto became disabled. If the nearest facility authorized by the manufacturer to repair your auto is farther, we will pay the cost to transport it there.
- Unlike my regular auto policy, includes contents coverage for up to $2500 for an accident, break-in, or other incident.
- Includes up to $1000 coverage for an animal in the car hurt in an accident or other incident.
- Includes a rental car: Up to a maximum of $12,500 for temporary transportation expenses incurred by you for comparable transportation in the event of a loss to your covered auto. We will also pay for the loss of the auto if the title is shown to be fraudulent, you did not know it was fraudulent and the auto is confiscated by a public authority.
- Includes coverage for trip interruption/emergency living expenses: We will pay, without application of a deductible, up to a maximum of $2,500 for reasonable trip interruption and emergency living expenses incurred by you as a result of a covered loss to your covered auto or non-owned auto, after collision, other incident, or even for mechanical or electrical breakdown.
- Vehicle Identity Theft coverage: We will pay, without application of a deductible, for expenses incurred to establish ownership as a result of fraudulent and unlawful use of a vehicle identification number by other than an insured under this policy.
- Auto-lock coverage: We will pay, without application of a deductible, for a loss of keys to your covered auto or nonowned auto which include: 1. The cost to duplicate or replace lost or stolen keys; 2. The labor costs to retrieve keys accidentally locked in the vehicle; or 3. The cost to re-key the vehicle locks when the keys are lost or stolen or the vehicle is stolen and then recovered.
- Coverage is worldwide
- Best of all, zero deductible collision and comprehensive (other than earthquake, which is 5% deductible)
What's the catch?
The only negative I can find (again, not having had a claim) is that the underwriter is AIG, and AIG's main auto policy service got only 2/5 stars for customer satisfaction on JD Power's survey. That's pretty bad. But the Delp collector car policy is somewhat separate from their normal auto business, I have the specific guarantees above, and I really have no real comparison point for Hagarty, Sneed, etc. against them, as they weren't listed. Plus, I checked with a friend who runs a body shop, and he said he hadn't had trouble even with regular AIG on covering the full repair costs to fix things right, unlike some insurers.
I wanted to pass this on.
http://www.barrett-jackson.com/insurance/
Chip
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I have 52,000 miles. Now if I'm able to get more "toys", my plan is to keep this one too, maybe I could get down to 3-4,000 miles per year, but that remains to be seen!
