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Pacemaker500

When I went to get insurance on teh Pacemaker, the insurance company asked if I was a member of a local car club. I stated I was a member of the National HET but this level of membership is not accepted. So i asked about the definition of "local club."

This is what I got. "A club that holds it's regularly scheduled meetings within standard driving distance from the garaged location of the vehicle to be insured." Standard driving distance is defined as that limit set by Federal government for calculating commuting distance. This is 50 miles.

So, no HET chapter within 50 miles of my garage. Not that it really matters as it would have only given me $5.00 off my $133 per year premium. Valued Hudson at $20,000 for a total replacement. Used the sales price of Mr. Albrights wonderful cars as an example of a target replacement vehicle. the insurance underwriter agreed.

Anyone up for a "Flood City" chapter of HET?

By the way, I will probably join the Blair County Antique Auto Club to get some more local help with learning how to set the points when it comes time to replace them.

MikeWA

I don't know about the other local chapters, but NW chapter holds its meetings in a different location every month, all over Washington and Oregon, usually in conjunction with an event or attraction that would be of interest to the members. Very few go to every meeting, because of the distance, but everyone will have 2 or 3 meetings within reasonable driving distance every year. There's been talk of splitting the chapter into Washington and Oregon divisions, to reduce distances- with fuel prices, that discussion will probably intensify.

Park_W

PM500, I don't know who you're insuring with, but J.C. Taylor has no such limitations, and no set limit on miles per year. Main constraint is that you don't drive the car routinely, e.g., every day to work. I believe Hagerty is similarly flexible.

BJ__TN

Park is right. My policy with Hagerty insurance has no restrictions on miles per year, but it does require that I have another car that is used for everyday transportation. They also ask about club membership and I think that, is more to gather info about their policy holders. Car club members have fewer accidents, just like certain age brackets have fewer accidents.
Bob

SamJ

One of the reasons they ask about Club Membership is that if you belong to a Club they figure it's less likely you'll be using the vehicle as daily transportation. In other words, you're a serious hobbyist. :cool:

Browniepetersen

In my part time business as an antique car appraiser, I work with several of the insurance companies. State Farm, Farmers, ect. all have excellent programs and run about the same price as those you find in ad's in the trade papers. Some insurance companies will require an appraisal if your estimated value seems high for the vehicle you own. That is if you value your car above 20K. The insurance companies like it best when you do not drive a lot of miles. The more miles you drive the percentage of accidents goes up.

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