[WildBillyT]

Originally Posted by BonzoHansen

1) Hagerty has no spelled out restriction in their policy but racing. Racing is not covered. If you crack the car up on the way to the track, it is covered. If you do it on the track, it is not. It doesn’t mean you can’t do it, it means you are not covered financially. Your regular coverage does not cover racing either. A recent endorsement (a contractual change) to their policy clearly defines that. I have read the entire policy a number of times, no other limitations.
2) My current rate is ~$300 per year. No deductibles, increased limits of liability to match the higher rates on my DD policy. They did bump me up to the modified class which raised my premium about 35%. But I wanted to be honest about what was in the car so they cover it. Also, technically an insurance company can deny a claim if you are not truthful or withhold information they asked for in the application/renewal process.
3) I have no idea, sorry.

For Hagerty, I had to show proof of an insured daily driver for each licensed driver in the house. I had to be at least 25, and I had to have no points (maybe no more then 2, don’t remember). They may have car age limits. They wouldn’t write the 99Z28 I have. Too new.

Other companies will of course differ.

One other thing to note- some collector's insurance companies require the car to be garaged when you are not driving it.