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Category Archives: street rods

Thinking about a collector or custom vehicle for Christmas?

Posted on December 17, 2014 by skysmith
While you are shopping for the next cool vehicle, keep in mind you should look for specialty insurance to go with it. 
 
 
Custom and collector vehicle insurance is a specialty product.  It is tailored for vehicles that are not regularly driven, usually less than 5,000 miles a year. Maybe they are driven for fun, to local club events, a show or rally.  Other restrictions or limitations could include that all drivers need to be over 26 years old and you must have another vehicle that you use as your regular “daily driver”.  Company requirements vary.
Other items might include that the vehicle does need to be in a fully enclosed and locked garage, shop or building. But recently, some of the underwriters have started approving carports and other storage areas as protection.
Dont insure your custom car or bike for a “used vehicle” value from an underwriter that doesn’t understand the value of your vehicle.   Specialty coverages are usually “agreed” values which will make sure you get what you have it insured for (minus any deductibles). You have too much time and money in your vehicles not to protect them for what they are worth.
Have more than one custom vehicle on the same policy?  With most specialty policies, you pay the liability once, for all your cars or motorcycles listed on that policy.
Have an accident?  Claims are settled by adjusters that understand custom and collector vehicles.
The basic breakout of categories for custom or collector vehicle insurance are:
Antiques (over 25 years old),
Classics (20 to 24 years old)
Collectibles (15 to 19 years old)
Customs (mechanically or cosmetically altered)
Exotic cars (less than 15 years old but appreciating)
Street rods (usually cars built before 1950 that have been and mechanically or cosmetically altered)
Kit cars (built from a package)
Each company has a different variation on their categories and what qualifies as modifications.
The vehicle usually needs to have some appreciable characteristics. If the vehicle is newer and doesn’t have any collectable or appreciable status, it’s probably not going to meet the underwriter’s guidelines.
Doesn’t mean a new car can’t be on a specialty policy, it just depends what model and the market for the vehicle.
Oh, even collector boats can be insured with a specialty company. So that old Chris Craft ,in the barn, better finish the restoration and put it in the water.

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Posted in collector boats, collector car insurance, collector cars, custom bike, custom car insurance, specialty insurance, street rods |

Heartland Nationals Goodguys car show

Posted on June 26, 2013 by skysmith

Don’t forget to stop by our booth at the Heartland Nationals Goodguys car show at the Sate Fair ground in  Des Moines. 

For more details click here to go to the Goodguys website.

 
 

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Posted in auto show, car parts, car shows, collector car insurance, collector cars, corvette, custom car insurance, custom cars, Goodguys car shows, heartland nationals, modified cars, street rod, street rods |

Tennessee Bill to Exempt Certain Older Vehicles From Emissions Tests Signed Into Law | Specialty Equipment Market Association

Posted on May 6, 2011 by skysmith

Tennessee Bill to Exempt Certain Older Vehicles From Emissions Tests Signed Into Law Specialty Equipment Market Association: “SEMA-supported legislation to exempt vehicles more than 25 years old from the state’s annual emissions inspection and maintenance program was signed into law by Tennessee Governor Bill Haslam. To qualify for the exemption, these vehicles must be registered as “antique motor vehicles.” Antique vehicles are defined as more than 25 years old with a non-modified engine and body that is used for club activities, exhibits, tours, parades and similar uses as a collector’s item; on the highways for the purpose of selling, testing the operation of or obtaining repairs or maintenance; and for general transportation on Saturday and Sunday.

Previous law in Tennessee only exempted vehicles manufactured before the ’75 model year from emissions inspection. The new law provides for a rolling emissions inspection exemption that would exempt qualifying antique vehicles upon enactment and would pick up an additional model year for each year the law is in effect. For details, contact Steve McDonald at stevem@sema.org.”

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Posted in custom car registration, custom cars, SEMA, street rod, street rods |
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