Insurance on an LVS MK-48?

bigmellon · May 22, 2012

Hey guys! My MK48 FPU was dropped off today... I am in process of examining the machine, doing some fixes, and topping off fluids. I hope to try to fire the engine before the end of the day.

How do you guys insure these things? They will let me register just about anything in Michigan, but I need insurance to do so. Most insurance carriers are literally laughing at me... The other won't write policies for anything that hauls stuff.

Any ideas?

wreckerman893 · May 23, 2012

Have you tried JC Taylor.....the do MV's but they put a lot of restrictions on what you can do with it. You also have to have indoor storage.
I pay about 100 bucks a year for full coverage on my deuce through them.
My big trucks are insured through Progressive but they ain't cheap.

bigmellon · May 23, 2012

INdoor is going to be tough on this one... I have too many other things occupying the space I have and this thing is quite large.

I am running into problems where they don't want me to haul anything with a LOGISTICS VEHICLE, not even my own equipment or personal belongings. Striking out with Progressive too...

steelsoldiers · May 23, 2012

Try Gulfway. I insured all of my big trucks through them. Gulfway Insurers - A Leader in the Specialty Insurance Industry

bigmellon · May 23, 2012

Thanks for the tip! Application process is ongoing.... we shall see what they have to say.

Scooteerr · May 23, 2012

I know this is off topic but, I've always wondered about th mpg on a hemmt(?)

I wish I had the money :drool:

Stalwart · May 23, 2012

My HEMTT is insured with JC Taylor, and yes, it has to sleep inside.

Scooter, I get between 3-4 MPG with it.

Scooteerr · May 23, 2012

WOW!!! but I guess when you see the size of it, it fits... And are they as nimble and adgile as they look? Sorry for hijacking!!! :doghead:

NDT · May 23, 2012

Stalwart said:
My HEMTT is insured with JC Taylor, and yes, it has to sleep inside.

For real? They have rejected my application for M54A2 and M915's recently. "too big" I have 6 other smaller vehicles with them.

Stalwart · May 24, 2012

Yup, $420/year with an agreed $75,000 value. It has an appraisal that they have a copy of for quite a bit more, due to the condition of the old beast. They insure my Scorpion tank too.

Scooter, I have a HEMTT, NOT a former USMC LVS. The HEMTT is a straight truck, not articulated like the Mk48 LVS.

bigmellon · Jun 1, 2012

steelsoldiers said:
Try Gulfway. I insured all of my big trucks through them. Gulfway Insurers - A Leader in the Specialty Insurance Industry

Got a quote for $673 /yr for full coverage, but they will only write for up to $25k agreed value.

bigmellon · Jun 1, 2012

wreckerman893 said:
Have you tried JC Taylor.....the do MV's but they put a lot of restrictions on what you can do with it. You also have to have indoor storage.
I pay about 100 bucks a year for full coverage on my deuce through them.
My big trucks are insured through Progressive but they ain't cheap.

I'm looking at the JC Taylor website.. They have "Antique" and "Modified" classes for insurance... How exactly would you classify a 1997 Oshkosh MK-48??

bigmellon · Jun 1, 2012

Hmm... They don't seem to like vehicles under 19 years of age as collector vehicles.

They do say if you have others that they would be interested in adding it to a larger policy. Looks like I might be getting new quotes on my Unimogs!!

steelsoldiers · Jun 1, 2012

bigmellon said:
Got a quote for $673 /yr for full coverage, but they will only write for up to $25k agreed value.

They'll do over $25k but it has to be appraised. Someone like David Uhrig can supply an appraisal for such purposes.

jpinst · Jul 2, 2012

i don't understand why this conversation gets recycled so many times. USAA will insure close to anything. I have 4 policies with them and when they ask me what it is I just give theme the nomenclature and a policy shows up. Really, if you have served or a family ember has served, just get USAA for MILVECH's. Mine get driven less than 100 miles per year but they don't seem to care.

bikeman · Jul 2, 2012

I have USAA on my Jeep.... that doesn't have plates or legally road worthy (next duty station), but I have collision, a low deductable and all that other good stuff.

I tried Taylor initially, but since I didn't have a garage they told me no. I have no idea how USAA will react in an actual fender bender with the Jeep, and hope to never find out!

lost in the bush · Jul 3, 2012

Also Hagerty Insurance.. they are the leading insurer of Custom and unusual vehicles in the United States..

I contacted them already and they will insure MK48, as I am looking at an upcoming auction in Fl.
rofl

I must have one.

998Junkie · Jul 3, 2012

jpinst said:
i don't understand why this conversation gets recycled so many times. USAA will insure close to anything. I have 4 policies with them and when they ask me what it is I just give theme the nomenclature and a policy shows up. Really, if you have served or a family ember has served, just get USAA for MILVECH's. Mine get driven less than 100 miles per year but they don't seem to care.

I have USAA and my M-818 was covered through an affiliate (Progressive) as they would not take it directly and it was 2K a year. Couldn't justify the expense.

bigmellon · Jul 3, 2012

lost in the bush said:
Also Hagerty Insurance.. they are the leading insurer of Custom and unusual vehicles in the United States..

Actually - NO. Haggerty will specifically not insure these things. Collector car insurance requires the vehicle to be 19 years of age or greater. Unless you can document that your truck was built prior to '93, you will have to obtain COMMERCIAL insurance on this beast. Just been around the block on this myself... Bend over until it is 19 years old.

steelandcanvas · Jul 3, 2012

lost in the bush said:
Also Hagerty Insurance.. they are the leading insurer of Custom and unusual vehicles in the United States..

I contacted them already and they will insure MK48, as I am looking at an upcoming auction in Fl.

I must have one.

Hagerty wants it garaged or no policy, been there, done that.

Insurance on an LVS MK-48?

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