Buggy insurance?

[rollingblubber]

Where does everybody go for insurance on their buggies? I'm mainly worried about theft and my insurance company only wants to insure it for the value of a samurai. Since that is what it started as.

[tjjared413]

I talk to my agent and they really didn’t come up with anything good...

[rmjeep]

Stated value insurance?

[tjjared413]

Stated value insurance?

I tried that and didn't get any where... could just be my company...

[Short Bus]

I wonder if a specialty company like a Hagerty that insures hot rods and collector cars would be the way to go???


You could also ask over on a place like Race-Dezert forum https://www.race-dezert.com/forum/
They dump tons of money in their trucks like we do!

[74BuckinBronc]

Hagerty would not do a stated value policy when I was looking. I ended up at American Collectors. You never know how good a company is until you need them and I have thankfully not had to test them yet. But been happy so far.

[newracer]

From what I can tell Hagerty and American Collectors will only insure classic vehicles.

[newracer]

Been looking on pirate for an answer and many claim USAA will insure a buggy, if you qualify of course.

Here are some others that will provide coverage, supposedly.

https://stratuminsurance.com/dune-buggy-insurance/
http://www.foremost.com/

[74BuckinBronc]

Interesting. USAA wouldn't do a stated value on my bronco. And it makes little sense to insure it as a stock rig...

[Impaired]

Year's ago Farmers did a Stated Value policy on my Jeep. Never needed it for a claim. Had it for several years with them.

[euroford]

back when i had my Sierra Cosworth i had a stated value policy with AAA, and unfortunately i used it. twice. its been about 15 years though.

[newracer]

State Farm is working on a quote for me, nothing official yet but my agent thinks it will be:

Liability $100 year 250/500 deductible
Physical Damage (comp & collision is combined).
Physical Damage 100 deductible is $277 year and $250 deductible is $219 year
5000 medical $45 year

Packaged $422 year with 100 deductible
Packaged $364 year with 250 deductible

[rollingblubber]

did you ask about comprehensive? as theft is my biggest concern.

[newracer]

That would be the "physical damage" for $277 a year. I need to find out if that is for what I state the value is though.

[newracer]

I finally got my policy completed. It was more than originally quoted so I increased the deductible to get the cost down, ended up being ~$35 per month.