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What do you do for crawler insurance?

U

urbex

1/2 ton status
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Location
Glendale, AZ
The stolen/recovered Blazer thread got me thinking again....what are people doing for insurance on crawlers? Obviously taking body damage is part of the game, and I'm sure many of us have WAY more in the drivetrain than the body condition would make them worth if they were to be sold.

Which leaves a conundrum...obviously we're not going to make a collision/comprehensive claim every time we smack a tree or rock somewhere, but we also stand to lose a LOT of money if these trucks were to disappear one day. A healthy big block, 4L80E trans, a couple of built 1 ton axles, and we're already into the 5 digit range in cost not counting labor time/cost.

I'm assuming the typical auto insurance policy would take one look at the typical crawler body, and deem it totaled even before a policy went into effect, and most of the agreed value collector car type insurance companies I've talked to either won't touch a 4x4 period, or won't cover something I've already beaten the snot out of. Both of my crawlers are trailer queens, so I'm not so much concerned about a collision aspect, but I don't want to eat the cost of a build if the truck was to disappear one day either if I have the option of insuring it..right now I'm running liability only normal auto policies on both just to keep them street legal in case I ever need to run down a road some day.
 
Maybe you can do a rider on your home owners insurance?

I’m just spit balling here, I don’t know anything.
 
Crank the wheels to the left.
Remove the steering wheel.
Flip the hidden ignition disable switch.

I had a hidden switch under the seat of my Willys.
It grounded out the negative side of the coil.
In fact, the jeep was all push button, no keyed ignition switch.
I'd flick that switch on the way out and no matter what amyone did to apply power to the coil, the pertronix ignitor would never fire.
I imagine you could send the ground wire from the HEI through such a switch located someplace sneaky.

In the case of my jeep, i replaced points with an ignitor so grounding the coil, defeated the system.
For HEI, i wonder if interrupting the ground would work.
Never tried it.
Thoughts?

Many people know how to hot wire a vehicle by applying power to the coil, or bypassing the ignition switch.
What they do not expect, is the ground circuit to be interupted.
 
Need to find a specialty insurance company that will take it on. Might not be that easy.
There is a Hagerty thread around here somewhere that had some traffic. Maybe that might help
 
Just add comprehensive...keep a running list of where your at money into it and fight it out with the insurance company if and when something happens
 
I would want an agreed value policy and I don’t know of any insurance companies that will write a policy on an off-road truck. Therefore I’ve kept the typical liability coverage and I keep it locked up behind a gate and at least one other rig blocking it.
 
I have not been able to find anything at all, even with just liability. No one will cover a modified vehicle, at all.

The best I have found is just not telling them if the don't ask which they don't online.

Hagerty, said no
Progressive said no
Farmers said no
State Farm said no
Local people would not even return my call

So good luck, let me know if you have any. Mine sits in the winter so it is uninsured in its storage.
 
kgblazerfive said:
I have not been able to find anything at all, even with just liability. No one will cover a modified vehicle, at all.

The best I have found is just not telling them if the don't ask which they don't online.

Hagerty, said no
Progressive said no
Farmers said no
State Farm said no
Local people would not even return my call

So good luck, let me know if you have any. Mine sits in the winter so it is uninsured in its storage.
Click to expand...

I just added it online to my policy, why question a 1984 C20 diesel?
 
I have Safeco.
You could try 'em.
Mine is basic liability.
About $600 year now with the 86 m1009 and 2001 Tahoe on there.
They only ask for mileage over the internet once in a while.
But i didn't insure for theft i guess.
I just figure.. if the bad guy can get a 6.2 diesel to start at 9,000 ft elevation in Wyoming during winter.. well.
The Tahoe is worth maybe 6 k.
The M1009 maybe 6 or 7 k.
Just seems like an insurance premium for theft would add up quickly.
Course, I'm in very rural Wyoming and I own 13 firearms.. as do most people you meet in Wyoming.
We are always packin.
That fact is well known.
Might be a sort of "passive insurance policy" hereabouts.
 
Don’t ask, don’t tell, keep receipts, plead insanity. :dunno: :whistle:
 
I work for an insurance company. The big one. One of the questions is "is there any prior damage?" If the answer is yes then you won't be able to secure comp/collision. If its off-road only then you may be able to secure an ATV policy. But again, prior damage comes into play. FWIW mine is insured as a regular vehicle with comp and collision. But if I take it off-road and wreck it I won't turn it in. Integrity.
 
I don't think many would be looking for collision. Theft and fire would be my interest, and in the boat as everybody else here with nobody that will take it.
 
Tow trucks scare me. I swear some of them nowadays seem predatory. I have a battery disconnect, a club on the steering wheel, I turn down the max rpm on my FI to 800 rpms and take the controller. Wheels turned all the way left. I still want to get a motion alarm with a loud horn.
 
Most people who get their trucks busted up off road around here most likely just report them as "stolen"...:whistle:
 
Green Monster said:
I work for an insurance company. The big one. One of the questions is "is there any prior damage?" If the answer is yes then you won't be able to secure comp/collision. If its off-road only then you may be able to secure an ATV policy. But again, prior damage comes into play. FWIW mine is insured as a regular vehicle with comp and collision. But if I take it off-road and wreck it I won't turn it in. Integrity.
Click to expand...
People bash their trucks off road and try to turn it in? Mind blown!
 
This thread illustrates very well part of the problem I've been having...I am NOT attempting to circumvent the system, pull one over on "the man" or anything else like that. I don't want to try to fool the insurance company into thinking my toys are something they're not, or try to scam the insurance company to pay to rebuild my thrashed rigs.

Just like Green Monster, most people just automatically go right to assuming shady stuff is being done when I even bring this up, especially insurance agents. I've done what homework I can do, and it's been EXTREMELY frustrating talking to some of these people. Regardless of how many times I try to tell them that I don't care about collision damage, that yes, there is already extensive body damage that I'm not looking to have repaired, and that I'm really only looking at the cost of drivetrain replacements in the event of theft, I keep hearing the same scripted BS - "we don't cover off road damage.."

1977K5 got it - all I'm concerned about is theft and fire coverage. And really, I wasn't even thinking about about fire coverage..in all the years I've been doing this, I've never once had a fire issue, even a minor one. More often than not, my rigs go from the garage to the trailer, down the trail, back to the trailer, and back to the garage. I never drive them on the pavement unless it's absolutely necessary. But we do occasionally take them on camping trips, or out of state, and there's only so much I can do to secure them in a parking lot somewhere. All the kill switches in the world don't protect me when the trailer is stolen, and I'm not living like a paranoid goon with half the gun store strapped to myself :surepal:

Maybe 15 grand is a drop in the bucket to some of you guys, and not worth insuring, but it's a lot of money to us, and has taken years to assemble this stuff.
 
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