Wednesday, December 17, 2014

Thinking about a collector or custom vehicle for Christmas?

While you are shopping for the next cool vehicle, keep in mind you should look for specialty insurance to go with it. 

Custom and collector vehicle insurance is a specialty product.  It is tailored for vehicles that are not regularly driven, usually less than 5,000 miles a year. Maybe they are driven for fun, to local club events, a show or rally.  Other restrictions or limitations could include that all drivers need to be over 26 years old and you must have another vehicle that you use as your regular “daily driver”.  Company requirements vary.
Other items might include that the vehicle does need to be in a fully enclosed and locked garage, shop or building. But recently, some of the underwriters have started approving carports and other storage areas as protection.  
Dont insure your custom car or bike for a “used vehicle” value from an underwriter that doesn’t understand the value of your vehicle.   Specialty coverages are usually “agreed” values which will make sure you get what you have it insured for (minus any deductibles). You have too much time and money in your vehicles not to protect them for what they are worth.

Have more than one custom vehicle on the same policy?  With most specialty policies, you pay the liability once, for all your cars or motorcycles listed on that policy.
Have an accident?  Claims are settled by adjusters that understand custom and collector vehicles.
The basic breakout of categories for custom or collector vehicle insurance are:

Antiques (over 25 years old),
Classics (20 to 24 years old)
Collectibles (15 to 19 years old)
Customs (mechanically or cosmetically altered)
Exotic cars (less than 15 years old but appreciating)
Street rods (usually cars built before 1950 that have been and mechanically or cosmetically altered)
Kit cars (built from a package)

Each company has a different variation on their categories and what qualifies as modifications.

The vehicle usually needs to have some appreciable characteristics. If the vehicle is newer and doesn’t have any collectable or appreciable status, it’s probably not going to meet the underwriter’s guidelines.

Doesn't mean a new car can’t be on a specialty policy, it just depends what model and the market for the vehicle.

Oh, even collector boats can be insured with a specialty company. So that old Chris Craft ,in the barn, better finish the restoration and put it in the water.

Monday, December 8, 2014

SUN ‘n FUN Planning 2015 annual event

Presented by Visit Florida, the Florida Restaurant and Lodging Association and Lakeland Linder Regional Airport, the 41st Annual SUN ‘n FUN International Fly-In & Expo will be held April 21-26, 2015 in Lakeland, Florida.  An anticipated crowd of 200,000 people during the event will include more than 500 credentialed media, 500 exhibitors and guests from 80 different countries. 

An International Jet Team, U.S. Military Jet Team and Warbirds will keep attendees entertained and educated.  CEO & President John R. “Lites” Leenhouts is directing staff and volunteers to design this event as one that offers exciting ‘finds’ on the grounds and in the air that have been suggested by the aviation community.  Themes used each day will combine Florida Day, World Aerobatics, Education, International Hospitality, Warbirds, Formations, Aviation Potpourri, Military, Florida Resident Day and more.  “Dinner with Legends” (a fund-raising event for year-round education programs and scholarships), will feature big names from the sporting community who are also pilots.  Lectures, workshops, continuing education credits for teachers, international food vendors, youth activities, and rides on aircraft like the Ford Tri-Motor round out the week for all attendees.

In 2015, there will be a mid-week twilight illuminated aviation airshow as well as a Saturday spectacular include fireworks.  The 40th anniversary for Air America will be celebrated in the Veterans Plaza.   Celebrating “A Brighter Future through Aviation”, there will be an unveiling of a new “Piedmont Education Experience” as the only fully-functional aircraft classroom on a high school campus in the world.  The Boeing 727 will also have a Bernie Little Memorial community meeting space.

For further information about how to become involved at SUN ‘n FUN as a volunteer, sponsor, partner, exhibitor, vendor or advertiser, visit or call 863-644-2431.


Aviation education experiences are offered year-round for students of all ages on the SUN ‘n FUN Convention Campus.  Proceeds from any event at SUN ‘n FUN, a 501(c)(3) non-profit corporation, are returned to STEM-based education programs and activities.  Take time to visit Aerospace Discovery at the Florida Air Museum with your family.  

Wednesday, December 3, 2014