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Old 17th November 2017, 03:34 PM   #1
Mitch Krause's Avatar
Mitch Krause
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Join Date: Sep 2016
Location: United States
GT40: None
Posts: 60
Insurance before Car is Complete

I thought I would share what I think is a success story. I did a bunch of searching and reading on the forums about the insurance issues and trying to find insurance before it is a "real" car. Tried some of the companies and leads that others had, after striking out with my company (Farmers).

Farmers (and apparently almost all others) have specific exemptions where they don't cover "automobile parts" on homeowners policies. Furthermore don't even offer riders (like for Jewelry and such) where they can be covered separately.

After going down the road with Farmers, American National, Travelers and a couple of different insurance agents (including my normal guy) and not finding anything to cover "automobile parts". "Automobile parts" being what they term a vehicle that is not able to be registered and titled. My agent found a company called Burns and Wilcox. They are apparently underwritten through Lloyds of London, and provide collectables policy which will insure auto parts as a standalone policy. Just completed everything yesterday and I am good to go. My insurance agent noted that this rider is comparable to the normal home policy riders (in the range of $10 per thousand insured).

So maybe this helps someone.
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Old 17th November 2017, 11:36 PM   #2
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John Dewey
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Join Date: May 2011
Location: San Antonio, TX
Posts: 151
Re: Insurance before Car is Complete

Hagerty will also insure non-registered vehicles.
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automobile, farmers, insurance, parts, policy

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