Outside Storage-Only While Working, American Collectors v. Hagerty v. AAA

[octanemaestro]

I posted this question in reply to another thread before but didn't get a response so I'm posting here, and I think the technical forum makes sense because it relates to being in the middle of working on a 911.

Someone posted the image below of their insurance bill from AAA, and the basic question is this: Would such a pleasure-only $308/year AAA policy as below cover a Porsche if you didn't get the subject Porsche registered and kept the car stored in your driveway or back yard while working on it and it suffered vandalism or weather-related damage?

You need insurance in many states before you can get a car registered so of course you can have insurance without registration. I suppose the question is whether you need the intention to register it to be valid insurance. Other companies like Hagerty and American Classics while they don't require that a storage-only insured car is registered they do require that you store the car in a locked and secure garage, i.e., not a car port, not a driveway, not a backyard. Apart from registration, also good to know is whether you need to retitle it in your name to be covered in one of those claims (vandalism, etc.) because how many people among us take months or years to retitle a car in our names from the previous owner while working on a car? I think that would be a lot of people.

[tdw28210]

Any insurance company covering "weather damage" for a car stored outside seems like a long shot to me. But I am no insurance salesman. ; )

[Elombard]

are you in Brazil? US stuff is probably different.

I would highly doubt they would not require locked garage. Just go on the website and look at the fine print? I would think it is spelled out in the "declarations".