When I first insured my '54 M38A1, I made the mistake of saying Jeep
somewhere in the conversation. The liability rate went up accordingly
because they considered it a sport utility vehicle rather than an historic
vehicle.
The sad part is that the vast majority of the board of directors and
officers within the organization are retired military officers. They are
uncaring about saving part of their own military past and worry only
about getting our money.
I would venture to guess that the vast majority of MV owners and
drivers are over 25 and married, which in the insurance world equates
to being a "SAFE" risk. Why then are we many time treated as such high
risk clients simply because we own and operate old military vehicles. I
think I paid less as a 22 year old with a 2 seat sports car for liability
coverage than I do for my jeeps!
Jim Rice