I have full coverage on my 87 Syncro Westy... I spent $160 getting it
legally appraised in 2002, using shots off samba, ebay etc.. to set it's
value, plus photos by the appraiser. My Syncro is completely covered at a
value of $20k. There will be NO arguments over what it's worth, when or
where the time comes (that's putting the horse after the cart)... they pay
me $20k full cash out .. I pay the premiums for that full value with  fire,
theft, collision & liability... cost me something like $1000cdn a year.
Insurance is a form of gambling folks. If you are only playing the nickel &
dime slots... you're only going to get nickel and dimed. When you put your
bets down, you have to make it clear, how much you're betting on..if ya keep
it a secret... it'll stay one... you'll never know what THEY decided to give
you....even the odds... make it clear the value you expect (& get it in
writing), before ya pay.... everything I have is covered with REPLACEMENT
cost insurance. It only takes one accident to find out the appalling shock
of insurance appraisal hell.

RR

Orginal message
Date:    Tue, 27 Sep 2005 14:15:43 -0600
From:    bueses <bueses@EARTHLINK.NET>
Subject: Re: salvage title   was....

>
>how many of us with 25 year old vanagons have full coverage???      i dont
>think many do..   just curious..

Full cover on my 22 yr. old Westy, 63 DC.

Tom-hope I never have to find out if they'll really cover what it would sell
for