Photo Credits: NCM Insurance Agency
Those of us who live in the Southern United States finally got a reprieve from extreme weather last week as not one but two hurricanes that were previously heading to the mainland both turned and have moved out to sea. Lord knows that we have all had enough of hurricanes and other weather emergencies to last a lifetime, but the reality is they are just something we all have to deal with.
And it’s not just hurricanes. Fires, floods, and other natural disasters are all reasons to make sure you have the right coverage for your collector vehicle, and your policy should do more for than just offer a way to make a claim in case of a loss.
The NCM Insurance Agency does that for our 1966 Corvette Sting Ray Convertible, and they can offer the same great Agreed Value Policy for your collector car whether it’s a new or classic Corvette, or some other collector vehicle. An Agreed Value policy is a “promise of value” that is made between you and their insurance underwriters. If the car ever is declared a total loss due to an accident or natural disaster, that is the amount you will receive.
When dealing with insurance companies, having an Agreed Value policy is really the best-case scenario for you as an owner. The claims process is much different if you don’t have an Agreed Value Policy as the insurance company is looking for any reason not to pay you what you think the car is worth, and they probably don’t have the day-to-day experience of working with the specialized restoration shops who will be putting your car back together again.
We saved hundreds of dollars per year when we moved the coverage of our classic Corvette to the NCM Insurance Agency. It was then that we learned that there were even more perks you can get with your policy that other insurers don’t provide.
Had those hurricanes not turned and were still aimed at your location, your disaster planning should have included the possibility of moving your vehicles to a safer location. The NCM Insurance Agency recognizes that you’re attempting to protect them, and they will you help by providing a 50% reimbursement of your relocation expenses – up to $200 per vehicle.
Check out these additional perks below and ask yourself if your current insurance company offers the following:
- Mileage Rollover – Policies are based on allowed miles, and any unused miles can be rolled over to the following year.
- Spare Parts – Covers any spare parts or personal tools that you use on your vehicle.
- Restoration Coverage – Recognizes that the car is out of service while still offering comprehensive coverage. Coverage amounts can be increased as work is completed.
- Roadside Assistance and Travel Loss – Provide towing and other services in case your car breaks down while driving. Travel loss offers financial assistance if you are stranded.
- Disaster Relocation – In the case of a storm or other pending disaster, you can receive assistance to relocate your car to a safer local until the threat passes.
- Pet Protection – Some policies even provide coverage if your pet is injured in an accident.
- Liability Coverage – If you have multiple collector vehicles, you only have to pay for liability coverage on one vehicle, but all vehicles are included.
- Discount for NCM Members – The amount that you save on your policy is usually much more than what your annual membership fee costs.
Better insurance at a great rate means peace of mind when out cruising on the highways and byways of America – and it’s always nice to know you’re supporting the National Corvette Museum. Visit the NCM Insurance Agency today for your free custom quote!
Source:
NCM Insurance Agency
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