Buggy Insurance

  • Thread starter Thread starter 01tj
  • Start date Start date
I would think a policy on a buggy would be insanely expensive. You'd probably be cheaper to tag and insure yours, but even then unless you declare upgrade values you'd only get what a stock '01 TJ is worth. There are some name your value policies out there, like classic car policies, that may work for you.
 
01tj said:
I've seen alot of rigs burn here latley, and that makes me want to insure my Jeep. I know I can get a regular insurance policy on it because its a manufactured vehicle, but Id like to have a policy for the actual value of the rig. I honestly just want it in the case of fire, theft, or if I had a wreck while towing it. Anyone on here an Insurance Agent?
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You should be able to do it for stated value or have it appraised by a shop and send that in. I did several things like that when I ran the lot for jimbo and others. His was more to say it was worth less. Haha
 
I use esuarance and they allow you to add a set amount of extra coverage on for aftermarket parts, I don't think there was a max amount, as long as you were willing to pay for them.

As for the buggy insurance there is a thread on pirate about it that's worth reading.
 
I've heard of people in the rover community get their trucks appraised and insured for a certain amount. Makes sense if you've got a classic truck that is restored. Its not longer worth a couple grand.

I'd say work with your insurance company and if possible, provide receipts on components or other documentation. Also let them know that this is a "sometimes" vehicle and not used on road. I would think those two things would help.

Also if you don't have a license plate and never drive it on the road, you can probably get a rider on your home owners insurance. I've put cameras and bikes as riders in the past. Only added like, $25 to $75 for a year. Not that much considering at the time I had a nice bike and I was using my cameras to work.
 
I dont see why you couldn't get an offroad vehicle, or all terrain vehicle, type policy on it. You can insure a boat, along with all of your electronics and fishing gear under a watercraft policy; or at least that is the deal I have with my boat insure with USAA (which is then underwritten to progressive).

I currently have tags on my TJ, and just have regular car insurance on it and a stock of receipts for all of the aftermarket stuff on it in order to substantiate the additional cost.
 
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