The 2010 Explorer was actually the last Ford to use the Cologne V6. What’s interesting about this engine? It was produced, in various iterations, continuously since 1968. With a displacement range from 1.8 to 4.0 liters, it fulfilled a diverse role in motivating Fords throughout the late 60s, the 70s, and the 80s. Early models were mostly European Fords (thus the plant in Cologne, Germany). But later models started making their way stateside, until the Cologne V6 powered every small truck Ford sold. The latter-day explorers are the first and only iteration of the Cologne (aside from the specialty Cosworth) to eschew pushrods in favor of single overhead cams. So even drivers buying SUVs just a few years ago were buying into a family of engines dating back over 40 years. An interesting notion about where we came from, and where we’re going.
1. What are the eligibility requirements for collectible vehicle insurance?
Our collector car insurance eligibility guidelines are pretty simple. Your collectible vehicle’s primary driver must be a licensed driver for at least 5 years and have a clean driving record. (So rejoice! You have an excuse when your 16-year-old son asks to take over your wheels.) Every driver in your household must have a separate vehicle for daily use. You can’t use your pride and joy as an everyday vehicle or as a substitute when your regular car is in the shop. And when not in use, you have to keep your collectible in a secured garage.
2. How many miles can I drive my car each year?
As many miles as you like! We want you to have fun with your best friend, not limit your mileage. As long as your collectible vehicle isn’t your primary car, you’re covered for leisure use. So go ahead, show off your ride at club events and car shows. And by all means, drive it around town on a sunny day and even to dinner every so often. Your baby will love being taken for a spin.
3. Will you cover my vehicle while it’s being restored?
Of course! Restoration is vital to advancing your hobby and we want to make sure you’re covered while you (or anyone else!) is working on your collectible.
Condon Skelly visited Scottsdale, Arizona last week to check out some unbelievable classic and custom cars. Scottsdale is actually a hotbed for collector cars, custom hot rods, and a gathering place for gearheads across the country to gather, share, and race. Here are some of the beauties we found.
- Is coverage available seasonally? – Definitely! At Condon Skelly we’re flexible to your changing needs. During the off-season when your collectible vehicle isn’t being used, we’ll be happy to insure your vehicle for comprehensive coverage only.
- Do collector car insurance policies offer deductibles? – Yes. Usually there are a variety of deductible options. Because annual premiums are so low, many customers choose to have a zero deductible, but several different options are available.
- What are Condon Skelly’s garage requirements? – When you’re not out driving or showing you classic or antique vehicle, we require that you keep your pride and joy in a fully enclosed, locked garage.
- What is Agreed Value? – Agreed Value policies guarantee that in the event of a total loss – resulting from an accident, theft or anything else – you’ll receive your collectible vehicle’s full value. And you’ll know what that value is right when you file your claim, because it’s the value agreed upon when you set-up your policy.
- How much insurance should I carry on my car? – You should always insure your vehicle to its market value or your most recent appraisal value. By insuring your vehicle to its market value, you’ll be ensured to receive its highest value in the event of a total loss. And your limits must be equal to the limits on your everyday car policy.
Condon Skelly creates and compiles a variety of videos at collector car shows, classic car races, and other automotive events of interest. We love classic cars just as much as we love collector car insurance. To see a broad array of videos, including a recent video on the Indy 500, visit our YouTube channel today.