Mutant Vehicle - Insurance

Ideas, advice, tips, and tricks regarding the building and creation of mutant vehicles in Black Rock City
Artemis7
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Burning Since: 2003

Mutant Vehicle - Insurance

Postby Artemis7 » Mon Jul 31, 2017 4:57 pm

I'm looking for mutant vehicle insurance for this years burn.

We used Fractured Atlas last year and they aren't doing policies for mutant vehicles this year. Eventhelper.com was referred to me as well and they also said they would not insure mutant vehicles.

I found another company that said yes, but it was 25K for a policy.

Any other suggestions?

maladroit
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Burning Since: 2012

Re: Mutant Vehicle - Insurance

Postby maladroit » Mon Jul 31, 2017 6:01 pm

Is this for liability only? As in, if you hurt someone with your vehicle, you will not be on the hook? Sounds pretty difficult to acquire...and depending on the size of the vehicle and the size of your group, $25k might not be the worst deal.

Here is an ePlayan who claims to have found insurance for 1/10th the cost of Fractured Atlas: viewtopic.php?t=8379#p1131957

Based on my limited personal experience with insurance companies, if you want insurance you need to be moving FAST AND HARD NOW.

Indigoqueen
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Camp Name: Cyberia
Location: Newport Beach
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Re: Mutant Vehicle - Insurance

Postby Indigoqueen » Thu Jan 25, 2018 6:43 pm

We used StateFarm... not sure if that helps, but they've worked fine for us.

Best

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Token
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Location: Gold Country, CA

Re: Mutant Vehicle - Insurance

Postby Token » Thu Jan 25, 2018 7:58 pm

Indigoqueen wrote:We used StateFarm... not sure if that helps, but they've worked fine for us.

Best


Worked fine as in you made a claim and they paid?

I’m sure anyone will issue a policy but no one will honor it the moment you go “off road”.

I’m pretty sure there is fine print in that 32-page contract somewhere that limits the policy and excludes off-road use.

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Dr Helix
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Camp Name: Interaction Cafe
Location: Hayward, CA

Re: Mutant Vehicle - Insurance

Postby Dr Helix » Fri Jan 26, 2018 8:43 am

Crimson Insurance has insured my MV for the past two years. Also my Art. Very knowledgeable about Burning Man so that helps in defining the policy. You can find the Agent here:

https://www.yelp.com/biz/ambere-st-deni ... -francisco
"Love, Rockets and write when you get work"

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Elliot
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Re: Mutant Vehicle - Insurance

Postby Elliot » Fri Jan 26, 2018 11:24 pm

No experience, and no connection.... Heffernan Insurance Brokers has been mentioned many times over the years as "Burner friendly".
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Indigoqueen
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Camp Name: Cyberia
Location: Newport Beach
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Re: Mutant Vehicle - Insurance

Postby Indigoqueen » Sat Jan 27, 2018 1:08 pm

Token wrote:
Indigoqueen wrote:We used StateFarm... not sure if that helps, but they've worked fine for us.

Best


Worked fine as in you made a claim and they paid?

I’m sure anyone will issue a policy but no one will honor it the moment you go “off road”.

I’m pretty sure there is fine print in that 32-page contract somewhere that limits the policy and excludes off-road use.



State Farm has off-road insurance. We've not had to make a claim...thankfully!

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Token
Posts: 3668
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Location: Gold Country, CA

Re: Mutant Vehicle - Insurance

Postby Token » Sat Jan 27, 2018 2:56 pm

Indigoqueen wrote:

State Farm has off-road insurance. We've not had to make a claim...thankfully!


I’ll have to call them up and see the rates for my quads and side by side.

Thanks.

Indigoqueen
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Re: Mutant Vehicle - Insurance

Postby Indigoqueen » Tue Jan 30, 2018 9:32 pm

Token: Glad I've said something helpful! I try...lol.

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Token
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Re: Mutant Vehicle - Insurance

Postby Token » Wed Jan 31, 2018 9:40 am

Indigoqueen wrote:Token: Glad I've said something helpful! I try...lol.


Oh, cmmon, it’s all helpful. Playa experiences are so personal there is no right and wrong. That’s the whole point.

Me, I represent the “jaded old-time FKO” aspect of the ride. ;)

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A-RockLeFrench
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Camp Name: TECTONIC
Location: Jefferson

Re: Mutant Vehicle - Insurance

Postby A-RockLeFrench » Wed Jan 31, 2018 6:12 pm

+1 Dr. Helix's recommendation for Crimson.

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Captain Goddammit
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Re: Mutant Vehicle - Insurance

Postby Captain Goddammit » Thu Feb 01, 2018 5:07 am

Token wrote:
Me, I represent the “jaded old-time FKO” aspect of the ride. ;)


You’ve got company
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