Originally Posted by
28firefighter
I would try to get the ZHP insured through Hagerty once you acquire your next ride. They initially fought me on it saying it wasn't a collector (VIN resolves as a standard 3 series), but when I spoke to the underwriter about the ZHP they were willing to do it. With a $10k agreed value, my premiums are around $500/year and that is with occasional drive to work use allowed - not just pleasure use. The caveat is you must have a daily driver in the house for each licensed driver.
And it needs to be garaged, with no drivers under 21.
$500 sounds like a lot, but maybe because it's a newer car. My '74 2002tii is ~$300, valued at $40k.
Hagerty says keep the miles below 2500/year, but I've never had anyone come to check my odometer. I ask about driving the car to the west coast for a car event & they said "no problem."
Also check with Grundy, American Collectors, Heacock Classic, even your current insurer. When they know the car is pampered, rarely driven and garaged the cost of the policy comes down.
2006 330ci ZHP - Silbergrau Metallic / Stoff Laser/Anthrazit / Alu Black Cube trim / Adaptive Xenon headlights / HK hi-fi system / heated front seats