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Old April 4th, 2012, 11:48 AM   #1
osweezea
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How do you insure your toys??

I recently bought a CJ5 from a fella on here. This one here

***SOLD***79 Jeep CJ 5***SOLD*** - Great Lakes 4x4. The largest offroad forum in the Midwest

Good guy by the way. But I guess I made the mistake of actually telling my insurance agent(who is not my favorite person in the industry, by far) what my actual intentions are for this vehicle. Very limited road time, mostly trails and sand dunes. She asked if it had a big motor, I said, just a V8. She asked if it had a lift, I said, yes, a small one. She said, oh, well this is not insurable because you want to use in on the sand dunes, and it has a v8, and it has a lift. We won't be able to insure this.

So......long story short. I need to find out who has a similar vehicle, or any offroad toy that sees a small amount of road time, but is mostly for trails and such. And how do you have it insured? I am not worried about collision coverage, but Liability would be nice and medical for the passengers if something were to happen. Thanks all. Happy wheeling.
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Old April 4th, 2012, 11:51 AM   #2
kickstand
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v8's are a factory option on some cj's, thats a bullshit excuse.
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Old April 4th, 2012, 11:56 AM   #3
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Find a better insurance company, and just provide the VIN. You don't need to give details on the vehicle itself.
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Old April 4th, 2012, 11:56 AM   #4
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I'd just find a new insurance company.

I'm pretty sure ours would insure a v12 powered Gremlin that I wanted to enter in the Daytona 500 as long as I was willing to pay the premium.

You may be better off if you don't want to change your whole policy around in going with one of the classic car insurers. Usually they insure something for a specific dollar amount and your premium is pretty damn low.
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Old April 4th, 2012, 12:00 PM   #5
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My toys are thru progressive

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Old April 4th, 2012, 12:03 PM   #6
360cj579
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I had it insured with Nationwide, never had an issue with them as far as the motor or lift.
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Old April 4th, 2012, 12:04 PM   #7
XLJetsFan52
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But if its insured full coverage with just the vin, wouldn't you get money for just what the jeep is worth, and not the lift ect?
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Old April 4th, 2012, 12:11 PM   #8
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Some times if they find out your accident happened "offroad" they can deny your claim anyway can't they? Ive also heard if u take your vehicle out on ice (lake) your are uninsured in that instance.

Last edited by jaysusr; April 4th, 2012 at 12:12 PM. Reason: 6
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Old April 4th, 2012, 12:28 PM   #9
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Quote:
Originally Posted by GreaseMonkey View Post
Find a better insurance company, and just provide the VIN. You don't need to give details on the vehicle itself.
Agree

Quote:
Originally Posted by mschaffer66 View Post
I'd just find a new insurance company.

I'm pretty sure ours would insure a v12 powered Gremlin that I wanted to enter in the Daytona 500 as long as I was willing to pay the premium.

You may be better off if you don't want to change your whole policy around in going with one of the classic car insurers. Usually they insure something for a specific dollar amount and your premium is pretty damn low.
Agree
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Old April 4th, 2012, 12:32 PM   #10
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There is no direct answer to this question. If you want to PM me I will give you my office number and I can offer you more of an explanation.
Quote:
Originally Posted by kickstand View Post
v8's are a factory option on some cj's, thats a bullshit excuse.
Truth

Quote:
Originally Posted by GreaseMonkey View Post
Find a better insurance company, and just provide the VIN. You don't need to give details on the vehicle itself.
This is a great way to not get your claims paid. Sure, it might work, but it's a gamble.

Quote:
Originally Posted by mschaffer66 View Post
I'd just find a new insurance company.

I'm pretty sure ours would insure a v12 powered Gremlin that I wanted to enter in the Daytona 500 as long as I was willing to pay the premium.

You may be better off if you don't want to change your whole policy around in going with one of the classic car insurers. Usually they insure something for a specific dollar amount and your premium is pretty damn low.
Classic car insurers are VERY specific about vehicle usage--this is not the way to go.

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Originally Posted by 360cj579 View Post
I had it insured with Nationwide, never had an issue with them as far as the motor or lift.
Most people dont have an issue insuring their vehicle, the issue becomes apparent when the claims adjuster sees your hillbilly ride.

Quote:
Originally Posted by XLJetsFan52 View Post
But if its insured full coverage with just the vin, wouldn't you get money for just what the jeep is worth, and not the lift ect?
This is not necessarily true. Generally the insurance company will settle based on the total value of the vehicle as determined by a party of appraisers. What you should never expect is a settlement that looks like this:

Market Value of your pile of shit: $5000
Replacement cost of your bolt on garbage: $3000
Total Settlement: $8000

You should exepect something more like this:

Market value of your pile of shit with all of your bolt on garbage: $4000
Adjustment for special market segment as determined by an appaiser that was paid for by the customer and mutually agreed upon by the insurance company appointed appraiser: $2000
Total Settlement: $6000
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Old April 4th, 2012, 01:47 PM   #11
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i love you sweet leah
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Old April 4th, 2012, 02:14 PM   #12
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Go with Progressive. They don't ask questions. I had a couple trucks under "Farm and Agriculture Use" for it's primary driving. That was the cheapest out of em all. And I drove em everyday around town. Sounds like Shenanigans if you ask me
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Old April 4th, 2012, 02:21 PM   #13
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Just get another insurance company.
I have state farm they know what I user my Jeep for and don't seem to care as long as I pay them every month.
My agent is ask old dune Jeeper from the good old days.
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Old April 4th, 2012, 02:30 PM   #14
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State Farm dropped the truck a month after I told them what it was, a S-10 body on a K5 frame. It was all legal with the state so I pulled the other policies I had with them and went to a place that would insure it.

This was many years ago.
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Old April 4th, 2012, 02:44 PM   #15
Sol Goode
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Insurance is for pussies.
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Old April 4th, 2012, 02:50 PM   #16
kickstand
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Quote:
Originally Posted by 8PTBUCK View Post
Go with Progressive. They don't ask questions. I had a couple trucks under "Farm and Agriculture Use" for it's primary driving. That was the cheapest out of em all. And I drove em everyday around town. Sounds like Shenanigans if you ask me
read the fine print, they don't actually cover lifted or modified vehicles if I remember right.
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Old April 4th, 2012, 05:04 PM   #17
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Quote:
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read the fine print, they don't actually cover lifted or modified vehicles if I remember right.
I hope that's not true. My ZJ is insured through them. I specifically told the agent it was a recreational vehicle, saw only 2-3k miles a year, was lifted, etc. and she said no problem.
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Old April 4th, 2012, 06:16 PM   #18
chad5.0
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Have my longtravel insured with farmers. Yes they know what we do with it (of course that might be because I took my agent for a ride). They have pics and a stated value for it and based the rates on the value.
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Old April 4th, 2012, 07:21 PM   #19
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Quote:
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I hope that's not true. My ZJ is insured through them. I specifically told the agent it was a recreational vehicle, saw only 2-3k miles a year, was lifted, etc. and she said no problem.
Agents will tell you anything to get your policy, if its not in writing it don't mean shit.
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Old April 4th, 2012, 07:51 PM   #20
osweezea
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So, does anyone know for sure that once they get offroad if they have liability still on the vehicle. What it seems I am finding is that once we take our stuff off the "highway" and go offroad, it sounds like it's pretty much a free for all and no one has any coverage at all. How can that be? There has to be some sort of a policy available out there!!

ChAD5.0 - any idea what your policy is called? I think I might try to go that route.

And if it is the case that lifted and modified vehicles are not covered, how can I get the last 13 years of premiums back? Good luck with that eh?

And FYI, it seems progressive does have a policy that will insure a vehicle with a 4" or less lift. Probably the route I might have to go, but we'll see.
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