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 4Likes
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2
Post By patrickt
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1
Post By CompFi
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1
Post By jolsen42
12-27-2022, 05:25 PM
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CC Member
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Join Date: May 2000
Location: WEST TX USA,
Posts: 91
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Not Ranked
Insurance for a cobra
I am about to get insurance on my cobra. I am in the final stage and then it going to the paint shop. I am wondering if is there anything I need to know before I get insurance. Any information would be greatly appreciated. Thank Paul
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12-27-2022, 05:38 PM
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CC Member
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Join Date: Aug 2006
Cobra Make, Engine: ERA FIA 2045, FFR 4068 Coupe sold, FFR 1816 roadster sold, FFR 3218 Roadster sold
Posts: 105
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Not Ranked
Quote:
Originally Posted by PJ UPTMOR
I am about to get insurance on my cobra. I am in the final stage and then it going to the paint shop. I am wondering if is there anything I need to know before I get insurance. Any information would be greatly appreciated. Thank Paul
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I had Hagerty for years. It’s the most expensive that I found. Switched to American Collectors but the policy was to restrictive. Now insured with Grundy Worldwide that allows me to drive. All had restrictions with no driver under the age of 25 or 26 allowed. I list 3,000 mi. Annual mileage. Reality for me is more like 400 miles driven. All were agreed value policies with high liability protection. All have on line tools to get a cost estimate. Pretty sure all 3 cover cars and parts while under restoration. Not sure about insurance during the build. Fortunately I haven’t had a claim which is when you find out if your insurance carrier is good. |
12-27-2022, 07:04 PM
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CC Member
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Join Date: Jan 2009
Location: Las Vegas,
NV
Cobra Make, Engine: Shelby CSX4005LA, Roush 427IR
Posts: 5,578
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Not Ranked
Did you try SEARCH for INSURANCE??? There are lots of topics with lots of pointers to agents that specialize in high-end sports cars, including/especially Cobras. Most will write an agreed value policy.
__________________
Cheers,
Tony
CSX4005LA
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12-27-2022, 07:38 PM
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Half-Ass Member
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Join Date: Jun 2005
Cobra Make, Engine: ERA #732, 428FE (447 CID), TKO600, Solid Flat Tappet Cam, Tons of Aluminum
Posts: 22,004
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Not Ranked
Just make sure you have a fat umbrella policy sitting on top of whatever you end up buying so that when your burnout goes bad and plows into the crowd at the car show you've got enough coverage to keep your ass out of debtor's prison.  |
12-27-2022, 08:20 PM
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CC Member
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Join Date: Aug 2006
Cobra Make, Engine: ERA FIA 2045, FFR 4068 Coupe sold, FFR 1816 roadster sold, FFR 3218 Roadster sold
Posts: 105
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Not Ranked
Quote:
Originally Posted by patrickt
Just make sure you have a fat umbrella policy sitting on top of whatever you end up buying so that when your burnout goes bad and plows into the crowd at the car show you've got enough coverage to keep your ass out of debtor's prison. |
Sage advice Patrick although he could just skip the plowing burnout…nah just get the umbrella |
12-27-2022, 09:08 PM
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CC Member
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Join Date: Jan 2022
Cobra Make, Engine:
Posts: 154
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Lots of good advice
+1 on the comprehensive umbrella
In addition to the above, you will find lots of good advice if you conduct a search of the forum for insurance.
For example, Robbin at Midwest is extremely knowledgeable and helpful.
But as i found, not all carriers operate in every state, in the US anyway. So, you might also try one of the big carriers, like State Farm, which also will write an agreed value policy for a classic like a Cobra.
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12-28-2022, 11:29 AM
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CC Member
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Join Date: May 2000
Location: WEST TX USA,
Posts: 91
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Thank you
Glad you told me about the comprehensive umbrella. I
will talk to Robin about this.
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12-28-2022, 11:33 AM
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CC Member
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Join Date: May 2000
Location: WEST TX USA,
Posts: 91
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Not Ranked
Thank you
Glad you told me about the comprehensive umbrella. I
will talk to Robin about this.
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12-28-2022, 01:15 PM
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CC Member
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Join Date: Mar 2002
Location: Mooresville,
NC
Cobra Make, Engine: Factory Five chassis/Mr. Bruce slabside
Posts: 601
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Not Ranked
I've had good luck with Grundy so far. No claims, but At least I have coverage. $307.00 for $55,000. agreed value.
__________________
jjo42
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12-28-2022, 03:19 PM
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CC Member
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Join Date: Feb 2018
Cobra Make, Engine:
Posts: 347
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Not Ranked
Quote:
Originally Posted by patrickt
Just make sure you have a fat umbrella policy sitting on top of whatever you end up buying so that when your burnout goes bad and plows into the crowd at the car show you've got enough coverage to keep your ass out of debtor's prison. |
This verbage should be in all Mustang purchase agreements.
As for underwriters, I just called my agent about
coverage. He requested detailed photos and
a replacement value. It was insured same day
with no other pre-qualifiers.
Last edited by Unique427; 12-29-2022 at 03:03 AM..
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