I can't get full insurance coverage. :(

[brap_brap]

I just came from my insurance brokers office.
While the underwriter who covers my mazda's will cover my wedge,
I cannot get theft/fire/accident coverage from them.
They will cover the bare minimum, what we call "PD/PL". (property damage/public liability)

So in essence, if I hit somebody, my insurance will cover the other party's car, but not
my own.

I had my broker ask the underwriter why they wont cover it in full like they would
any other car.... in a word, RHD.

That's stupid.

[gwood]

try classic line insurance. you get it cheaper if your a member of the tvrcc. i pay £240 fully comp for a 350i.

[brap_brap]

gwood said:

try classic line insurance. you get it cheaper if your a member of the tvrcc. i pay £240 fully comp for a 350i.

The problem is this is in KanaDUH and no such exemptions exist....unless it's ancient like a Model T Ford.

[adam quantrill]

I can understand the accident comprehensive cover, but fire and theft?

There must be brokers out there who cover RHD cars. Or - find one that just doesn't ask the question.

The alternative would be to convert it to LHD. You'd have to get a dash and steering rack made up, and have the pedals moved over somehow. The brake master might be tricky.

[BadRedWedge]

gwood said:

try classic line insurance. you get it cheaper if your a member of the tvrcc. i pay £240 fully comp for a 350i.

Gary I think Braps main problem is, he is in Canada

[JR]

brap_brap said:

The problem is this is in KanaDUH and no such exemptions exist....unless it's ancient like a Model T Ford.

Surely there must be a classic car mag out there with ads in the back for specialist ins firms?

[redcar]

Surely, the TVRCC guy in USA must be able to advise.

ExRedcar, still

[taimar78]

I could certainly advise if he was in the US, but I don't know what differences exist for coverage in Canada. I would suggest making a lot of phone calls, talking with others in the collector car hobby, etc because you would think there was someone out there who will provide suitable coverage.

[brap_brap]

There's companies that will insure it, but the deductable is huge. In
one instance with a company named Nordic, my broker was told $5k deductable
as I sat there listening to the phone call. A $5k deductable for a $13.2k
car is a bit much. Unless the car is completely written off so I get paid out,
I'd be on the hook for everything. Imagine having your premiums double and not
even being able to get a windscreen replaced? They also insist I put my two
existing cars onto the same policy, thereby driving up their premiums too.

If worst comes to worst, I can drive it with the bare minimum legal coverage
but I'll really be cringing driving it in the city with the morons on the road
we have here.