Ok this question is for the guys w/ Grundy Insurance, lots of positive things about them, I am currently applying w/ them..pending my driving record (accident back in 2008 in a parking lot)
They state the car can not be used to drive to school/work or secondary transportation, and only for "Hobby" driving or to go to shows.
Question, If I'm driving this car to our cottage for the weekend, is that considered "hobby" driving or secondary transportation?
I would assume a guy could BS the whole Hobby driving, but I have too much to lose to have a claim denied because I was driving it to the hardware store, or somwhere for the weekend..
just curious???
THANK YOU!
I sell for Grundy and am a customer.
According to my policy's "Auto Usage Endorsement":
A) It is agreed and understood that the definition of "Your covered auto" is deleted and replaced by the following:
"Your Covered auto" means:
1. Any "collector vehicle" shown in the Declarations.
2. Any "newly acquired auto" that meets the definition of a "collector vehicle"
B) It is agreed and understood that the following definition is added to the policy:
"Collector vehicle" means a private passenger auto or motorcycle that:
1) Is maintained solely for the use in exhibitions, parades, club activities, or other function of public interest.
2) Is not used for regular driving to work, school, errands, shopping, general transportation, secondary or back-up transportation, business or commercial purposes, except for limited pleasure use.
The key words here are "regular" and "limited".
If you don't go to the hardware regularly and if your trips to the cottage are limited (i.e. not driving there every day), you will fall within the definition of "limited pleasure use".
If you have any specific questions about what you can and cannot do, call the office and ask. As with anything of this nature, I would jot down the time and the date of the call, with whom you spoke, the questions asked and the answers you were given. Keep those notes with your policy when you get it in the mail. I don't believe you will be disappointed.