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> Collector Car/Limited Use Insurance?
1qwikbird
post Jan 20 2010, 11:53 PM
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I have initiated the process with the NJ Motor Vehicle Commision to apply for Collector Status for my 1999 Firebird. (No laughing...) In NJ there are 2 types of antique/collector status. The first is the Historic or QQ tags. Car must be over 25yrs old, with heavy restrictions on when, where you drive.

The second is Collector tags for which the car must be at least 10yrs old but not greater than 25yrs old and you are limited to 3,000 miles annually, but you can drive anywhere, anytime. You then get to skip going through State Inspection (still responsible for self-inspection), but have to provide a letter from a car club or the vehicle manufacturer stating the vehicle has some element of collectibility (is that even a word?) or low production totals. So I call Pontiac and ask them to put together a letter with production numbers based on my VIN. Surprisingly, I got a nice letter from them (after a couple of tries) breaking down the #'s for my car based on engine and tranny. Turns out my car is pretty "rare" (not collectible rare, but not many made type rare). So I'm feeling pretty good about satisfying the NJ MVC requirement, but now I have to secure some type of collector insurance and this is where I am worried. I have no problem meeting the annual mileage requirement and can store the car in my garage, so none of that is a problem.

My hang-up is they all seem to mention racing. Now the only "racing" I do is autox events (SCCA mostly). My car is stock appearing from the outside, but I do have a 4pt bolt in bar, primarily to support the Kirkey Intermediate RR seats. How do I best handle this situation? I have no expectations of coverage while participating in an autox event. Anyone have experience dealing with this? I'd prefer to not lie on the application (that's grounds for fraud). Is autox seen as racing? One of the applications I have seen on line doesn't use the word racing, but instead uses "timed event"?

My main motivation for this is to save a few $, get better coverage (with an a stated value) and skip the whole state inspection crap (in NJ what a PITA it is). This year I failed for a gas cap????? I don't drive the car on a daily basis, don't drive it during the winter months (mid Nov to mid March) so it's not a big deal to comply, except the whole "racing" issue and when they ask for pictures and see the roll-bar......

Anyone been through this in NJ or other states?

Thanks
Chris
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rpoz-29
post Jan 21 2010, 11:02 PM
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I don't remember that. When they started covering my old Chevy, I hadn't even completed the interior. I did send pictures though. Seems odd that they'll cover street rods, (some with bars, cages, etc), but not his Trans Am. Might be worth another call.
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1qwikbird   Collector Car/Limited Use Insurance?   Jan 20 2010, 11:53 PM
slowTA   All I can say is that I'm happy I was grandfat...   Jan 21 2010, 12:18 AM
1qwikbird   QUOTE (slowTA @ Jan 20 2010, 07:18 PM) Al...   Jan 21 2010, 12:31 AM
slowTA   Yep, I've had the funky triangle since '05...   Jan 21 2010, 12:37 AM
1qwikbird   QUOTE (slowTA @ Jan 20 2010, 07:37 PM) Ye...   Jan 21 2010, 12:43 AM
slowTA   I don't think they asked about racing and didn...   Jan 21 2010, 03:26 AM
NJSPEEDER   NJM doesn't ask a lot of questions really. The...   Jan 21 2010, 04:39 AM
mitchntx   I have agreed upon value totalling $50K on my...   Jan 21 2010, 12:31 PM
1qwikbird   QUOTE (mitchntx @ Jan 21 2010, 07:31 AM) ...   Jan 21 2010, 11:04 PM
1qwikbird   QUOTE (mitchntx @ Jan 21 2010, 07:31 AM) ...   Jan 27 2010, 02:05 AM
trackbird   QUOTE (1qwikbird @ Jan 20 2010, 06:53 PM)...   Jan 21 2010, 12:58 PM
NJSPEEDER   QUOTE (trackbird @ Jan 21 2010, 07:58 AM)...   Jan 21 2010, 04:53 PM
1qwikbird   QUOTE (trackbird @ Jan 21 2010, 07:58 AM)...   Jan 21 2010, 11:11 PM
rpoz-29   You might want to check with Grundy. They'll i...   Jan 21 2010, 02:01 PM
NJSPEEDER   Last I talked to Grundy they won't insure anyt...   Jan 21 2010, 04:50 PM
rpoz-29   I don't remember that. When they started cover...   Jan 21 2010, 11:02 PM
1qwikbird   QUOTE (rpoz-29 @ Jan 21 2010, 06:02 ...   Jan 21 2010, 11:07 PM
1qwikbird   QUOTE (rpoz-29 @ Jan 21 2010, 09:01 ...   Jan 27 2010, 02:08 AM
slowTA   Sounds interesting. Did the cost of insuring your...   Jan 27 2010, 02:15 AM
1qwikbird   QUOTE (slowTA @ Jan 26 2010, 09:15 PM) So...   Jan 27 2010, 02:28 AM
slowTA   The only part I don't like is that you're ...   Jan 27 2010, 03:18 AM
1qwikbird   QUOTE (slowTA @ Jan 26 2010, 10:18 PM) Th...   Jan 27 2010, 03:24 AM
Eskimo   Great reading.. I'm going through this both w...   Jan 27 2010, 03:52 AM
rpoz-29   I may need to look into Heacock. Thanks for the po...   Jan 27 2010, 12:11 PM
mitchntx   I specifically asked if my car, trailer and gear w...   Jan 27 2010, 12:53 PM

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