Hire & Reward Insurance, is there such a thing for classic cars? I truly don't think there is.
I'm with RH and I'm totally happy with what I get by way of cover and premiums for my cars. I have now considered looking at registering with a car hire agent to allow Matilda to be used in magazine photo shots. My neighbour gets the odd job for his Chevy pick-up and he says his agent would be interested in having Matilda on their books.
I contacted RH and after being told they didn't offer such insurance I contacted Scott via the forum. He confirmed this saying weddings were the only option (providing they didn't earn money) but he'd ask the underwriters. They said no as far as an annual cover but would consider each job in turn adding a premium each time. This I thought would be difficult as some jobs may turn up at short notice plus I wouldn't know what the premium would be. I didn't get to ask what it would cover also.
I then contacted Brentacre who insures my friends Chevy to do photo shoots. Although they cover American cars at no extra cost the insurance companies they use for British classics will not do the cover.
I then tried Lancaster and Aldrian Flux. Lancaster said no. Adrian Flux said they would on a case by case basis. Their insurance policy for Matilda was not as good plus adding breakdown pushed the premiums well over that of RH. They quoted £25 to £50 per day for photo shoots. I asked what this extra covered and they said just to go to the shoot. It would not give me any liability cover to protect me from someone falling over the car nor for any damage caused by models et al. I asked if they were serious, apparently so.
So does anyone know if there is such a thing as classic car hire & reward insurance cover. I'm beginning to suspect all those on the books of these agents don't have real cover. How many people use their cars for weddings not knowing you can't charge for the service?
I don't need suggestions as to who to try as most use the same underwriters anyway. What would be useful is if anyone has got real cover for their Morris could they let on.