No Garage Doors-No Car Insurance?

Dibbons · Monday at 9:19 PM

Tried to add second vehicle to my Hagerty classic car insurance but ran into a little hitch-now require fotos of both vehicles in a fully enclosed garage.

And I quote: "We do require secure, enclosed storage for vehicles to qualify with Hagerty, so we'll need to confirm that both vehicles are inside the garage when not in use.

Dakar Timm · Monday at 9:24 PM

We've been with Hagerty for quite some time . We have not been asked to provide any kind of documentation .

69 Sleeper Bee · Monday at 9:31 PM

Rules may be different in Mexico than U.S.
The only time they wanted photo evidence from me was on a truck and they wanted photos of the inside of the bed I guess to see if it was a work truck and not a collector.

OMTWF-72SE · Tuesday at 12:03 AM

All I get asked for is pictures and receipts when I ask for more coverage. We've got 3 cars with them.

kiwigtx · Tuesday at 12:57 AM

Different rules in different countries.....Depends on usage of the vehicles. I am restricted to 3,000 miles annually (although with notice I can do more)
Locked up when not in use, and garage kept.

My Insurance Agent is a member here and he shares my birthday also.

Richard Cranium · Tuesday at 2:36 AM

kiwigtx said:
View attachment 1914955

My Insurance Agent is a member here and he shares my birthday also.

Fran Blacker is your insurance agent?

kiwigtx · Tuesday at 4:07 AM

Richard Cranium said:
Fran Blacker is your insurance agent?

XS22J8R · Tuesday at 10:45 AM

Collector car insurance policies I've had, including Hagerty, have a requirement that insured classic cars need to be stored in a locked permanent structure. I've never had them ask for proof of this for my cars though. I do have a car stored remotely and when that subject came up with my agent, they required me to supply them with the address of where that car is stored.
I've known many collectors over the years who will keep a car stored in their enclosed trailer. I've told them that wouldn't fly with their collector car insurance if something happens to the car while stored in the trailer and they then try to make a claim. They scoff at me for telling them that, and as long as nothing happens to their car and they don't have to make a claim, it's all good. If the trailer gets stolen, damaged in a storm, or a fire occurs someday though, all bets are off! Believe what your biases tell you that you want to believe if you must, but that tendency sometimes can bite you in the butt!
If the insurance company has any concerns if a car they insure is stored per their requirements, I can see they would ask for proof like pictures of their garage or of the insured cars parked in that garage.

cr8crshr · Tuesday at 2:30 PM

Dibbons said:
Tried to add second vehicle to my Hagerty classic car insurance but ran into a little hitch-now require fotos of both vehicles in a fully enclosed garage.

And I quote: "We do require secure, enclosed storage for vehicles to qualify with Hagerty, so we'll need to confirm that both vehicles are inside the garage when not in use.

As mentioned, you do reside in Mexico, and I'm surprised that Hagerty would even underwrite insurance out of the country!!! Makes sense to me that they would want to see pics of an enclosed and locked garage...cr8crshr/Bill :usflag:

toolmanmike · Tuesday at 2:56 PM

Dibbons said:
Tried to add second vehicle to my Hagerty classic car insurance but ran into a little hitch-now require fotos of both vehicles in a fully enclosed garage.

And I quote: "We do require secure, enclosed storage for vehicles to qualify with Hagerty, so we'll need to confirm that both vehicles are inside the garage when not in use.

Yep.

j-c-c-62 · Tuesday at 3:24 PM

XS22J8R said:
Collector car insurance policies I've had, including Hagerty, have a requirement that insured classic cars need to be stored in a locked permanent structure. I've never had them ask for proof of this for my cars though. I do have a car stored remotely and when that subject came up with my agent, they required me to supply them with the address of where that car is stored.
I've known many collectors over the years who will keep a car stored in their enclosed trailer. I've told them that wouldn't fly with their collector car insurance if something happens to the car while stored in the trailer and they then try to make a claim. They scoff at me for telling them that, and as long as nothing happens to their car and they don't have to make a claim, it's all good. If the trailer gets stolen, damaged in a storm, or a fire occurs someday though, all bets are off! Believe what your biases tell you that you want to believe if you must, but that tendency sometimes can bite you in the butt!
If the insurance company has any concerns if a car they insure is stored per their requirements, I can see they would ask for proof like pictures of their garage or of the insured cars parked in that garage.

Would a kingpin locked fully enclosed and locked dry freight disconnected semi-trailer with multiple cars parked in a locked storage yard, qualify?

XS22J8R · Tuesday at 4:02 PM

Given the extent insurance companies sometimes go to deny claims, I would say no, unless one discussed this with them beforehand and got an approval in writing!

Takoctopus · 2025-09-10T05:02:42-0500

I was required to have a locked structure for classic insurance. But normal insurance for my 1980 D-150 doesn’t, of course the value is much lower and not agreed on.

maxwedgechar · 2025-09-10T05:27:42-0500

I had Max in my warehouse. When I brought him home and put him in the garage they reduced the premium. Then I got the alarm installed. I was surprised that there was no reduction for that!

No Garage Doors-No Car Insurance?

Dibbons

Well-Known Member

Dakar Timm

Well-Known Member

69 Sleeper Bee

Well-Known Member

OMTWF-72SE

Well-Known Member

kiwigtx

International Mod of Mystery

Richard Cranium

FBBO Gold Member

kiwigtx

International Mod of Mystery

XS22J8R

Well-Known Member

cr8crshr

Well-Known Member

toolmanmike

Henchman #2

j-c-c-62

Well-Known Member

XS22J8R

Well-Known Member

Takoctopus

FBBO Gold Member

maxwedgechar

Well-Known Member

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