Cars Not Covered Insurance

So, I’m considering a Porsche Boxster S and as such called my insurance company, which will remain anonymous for the time being, to get a quote. Upon telling the soft-spoken lady from North Carolina that it was a Porsche she hesitated, and asked me to “please hang on a minute” while she checks their list of ineligible automobiles. Of all the cars I’ve owned and all the insurance quotes I’ve received, not once have I had this occur. After what felt like a minute on hold the elderly voice returned – “OK, we can insure it”. Great, but knowing there is a list of ineligible vehicles has piqued my interested.

Me: “What about the Porsche 911? Is that on the list?”

Insurance Rep: “Yup.”

Me: “Which year 911?”

Insurance Rep: “ALL of them.”

Interesting. This raised the question of what else won’t they cover? And does this list only apply to drivers who meet certain qualifications?

I dig deeper. Turns out if you plan on insuring a car on the list you better have a policy with them already as well as an additional primary vehicle. What? Yeah, for people like myself, who don’t want multiple cars, or don’t have room for more than one – tough shit. The representative wouldn’t give me the entire list however I was able to ramble off other makes and models to get a “yes” or “no” answer. You can find the partial list of unacceptable autos below:

  • Aston Martin (any model)
  • Acura NSX
  • BMW M3 & M5 & M6
  • Chevy Corvette
  • Chevy Camaro IROC & Z28
  • Dodge Stealth RT/TT & Viper
  • Ford Mustang GT & Ford GT
  • Ferrari (any model)
  • Lamborghini (any model)
  • Lexus IS-F
  • Lotus (any model)
  • Maserati (any model)
  • Pontiac Firebird Formula & Trans Am
  • Porsche 911
  • Nissan 300ZX Turbo
  • Mitsubishi 3000GT

Skimming down the list, I’m sure there are cars you’re thinking of which are not found. Wondering if I asked? I probably did. Here’s a brief list of autos, which as of this writing, would leave you in good hands:

  • Cadillac CTS-V
  • Mazda RX-7 & RX-8
  • Nissan 350Z, 370Z & GT-R
  • Toyota Supra & MR-2
  • Mitsubishi Evolution
  • Subaru STI


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