I think you'll find the classic car insurance typically carry use
restrictions that most of us would find unacceptable, e.g. limiting use to
car shows, club events, parades etc or in some cases severely limiting the
miles that can be driven.

For some of my cars I do have a value stated on the policy backed by an
appraisal though that is not a guarantee I would get that amount should the
worst happen.  That said, my collison & comp premiums are based on the value
stated so it would help my case if claim time ever comes around.

If you're Googling this topic you'll get an appreciation of the difference
between 'stated value' and 'agreed value'.

My approach with the Westy is to save all receipts (esp the big ones like
rebuilt engine & transaxle) and many recent pictures showing its condition.

Geo

----- Original Message -----
From: "Melissa Mourkas" <westywoman@MAC.COM>
To: <vanagon@GERRY.VANAGON.COM>
Sent: Sunday, August 02, 2009 2:55 PM
Subject: Legendary Tardis-Classic Car insurance for Westies?

> I am sure this has been covered ad nauseum, but since I just
> purchased an extremely clean 1984 Westfalia, I am worried about
> insurance value.... Thoughts about and experience
> with appraisals and/or "classic car" insurance appreciated.