Auto Insurance for the Beetle

[ajracer]

Sandeep:

From my experience as an insurance broker the "program" type policy
provided by Lant & Co, Zehr Ins and others are the way to go as long as
your qualify. Yes most require an appraisal (also to your benefit) in order
to substantiate the value on the vehicle for their underwriters, ALSO very
important that you have them ADD a #19A endorsement which states that
in the event of major damages or write-off or theft THEY WILL PAY you the
amount stated within the 19A endorsement. (no trying to back out or lower
the amount of your actual claim)

One other thing is to make sure you abide by the limitations on the useage
of the vehicle (ie. not a daily driver to and from work or work, but "mainly"
for car shows, cruising, etc.) In order words when I insure my Porsche V-8
and travel to Halifax to visit I will make sure I also "happen" to register and
attend one or two East Coast Auto shows during the trip ! If you get my
message. I do not believe our Canadian Custom/Classic/Modified programs
have any mileage limitations like some of the USA Insurance programs.

Trust this helps you out in your decision. Your friend

Allan

PS Glad to hear you are at least planning to keep and drive the beast for
the summer; and hopefully you decide not to sell out

[CLKWRK]

Hello,

They have the silver wheels program and custom wheels program, i have my Ghia on custom and my SC on Silver.

You do have to be carful to abide by the driving limitations, driving to shows, or the shop to get work done to it is fine, even on a sunny weekend for a picnic with the family id say is ok.

You are insured on the appraised value of your car, not on what they think the average 25 year old bug is worth. The rates are reasonable too..... if you qualify.

Bryan

[petevw]

Originally Posted by CLKWRK

Hello,
They have the silver wheels program and custom wheels program, i have my Ghia on custom and my SC on Silver.

If you don't mind my asking, how much is the Ghia insured for? How much does it cost you a year?

[CLKWRK]

Hi Pete,

The Ghia is apraised at $30,000, i pay $600.00 a year, and the SC at $20,000 and I pay $202.00 a year. It costs me $802.00 for both yearly.

Bry

[petevw]

Guess i'm paying too much. I'll shop around in June. My super is insured for $20K, i'm paying close to $800/yr.

[Sandeep]

I'm paying about $900 per year ... and I get $500.00 if the Bug gets totaled

Looks like I'll go with Lant as soon as the car is ready for the road.

Sandeep