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I understand Steve Wilkinson's reluctance, insurance companies are by and large designed to to collect premiums but not so much giving them back! That said, last time took a stance similar to Steve's on the 356 registry forum, I was taken to task by a guy with 40 year of experience in the insurance industry who challenged me to read the hargerty policy end to end and find something that prevents me from driving my classic wherever / whenever... his contention, having analyzed the document, was that the only thing they can truly ding you on is NOT having a daily driver / effectively using your classic as a daily driver, and/or Track days. It's not that hard to prove... Nowhere in there did it say you can't go eat out, you cannot go to a movie with it...
So I feel pretty comfortable doing what I do, which is generally w/e driving only and once or twice a month a "during the week" trip to work exercise the car. Thing is, if you have a life and truly limit yourself to club events, the poor car would rot !
I totally understand those like the former Mr Wilkinson who chose to err on the side of caution... But I've heard enough from the horse's mouth and other to live a little... we'll see...
It's not like I'm risking a 356 Carrera in my case ;-)
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