Tuesday, January 29, 2013

Do we love classic cars (and guns) too much?

From Mother Nature Network: Do we love classic cars (and guns) too much? 

Anger over the crushing of a '59 Chevy Bel Air matches the passion over a gun buyback in Tucson (home of the Gabby Giffords shooting). 


The two-tone 1959 Bel Air,with Stovebolt Six and Powerglide, shortly before it met an untimely death in a safety-related crash test. (Photo: IIHS)
Do you pat your car’s fender after putting it away in the garage? Do you give it a name? Do you call it “he” or “she”? If so, you’re not alone — millions of otherwise normal Americans treat their inanimate cars as if they were alive. Why else the outrage when all those EV-1s got crushed in "Who Killed the Electric Car?"
 
I’m not reporting this from some high cliff of superiority — I do it too. When I scrape my car’s paint, it’s as if it is feeling actual physical pain. Why do we do this? Frankly, it’s complicated. The ownership of an automobile (and especially a classic with a long history) is intertwined with all the emotional experiences we’ve had in it, from a first kiss to the drive to the hospital when baby’s due. You can’t just send it to the crusher without a second thought, but you also have to put it in clear perspective — it’s not alive!
 
Understanding the emotional attachment people develop toward firearms is a bit harder for me, but it’s obviously there for millions of Americans.
 
I was reminded of this whole phenomenon this week by two unrelated incidents. In the first, Bob Palma, a columnist for Hemmings Classic Car, is moved to rage by an insurance institute’s crashing of a 1959 Chevrolet Bel Air (Stovebolt Six and Powerglide, if you were wondering). Here’s the gory video:  (Viewer discretion is advised.)
 
 
Now, the point here is that cars of that era were not very safe, and that’s underscored by the Bel Air’s total annihilation at the hands of a 2009 Malibu. In real life the impact would have killed the occupants in the old Chevy, cute as it is. The Malibu driver, in an intact passenger cabin, with advanced safety protection, could probably have walked away. The fatality rate in crashes of that era — with no crumple zones, seat belts, breakaway steering columns or airbags — was much higher. That’s why the death toll hasn’t gone up (much) despite a vast increase in vehicle miles traveled. As Consumer Reports pointed out, the crash test “shows just how far passenger protection has come in the last 50 years.” But the columnist (writing in the March 2013 issue, though the Bel Air went to glory in 2009) completely misses the point, instead bemoaning the sad fate of that two-tone classic car.
 
“That Bel Air was a well-preserved original car,” wrote Palma, who’d actually inspected it in Arizona before it was sold to the Insurance Institute for Highway Safety for $8,500. “That bat-wing sweetheart had survived five decades, only to suffer five seconds of intentional — not accidental — destruction in a vain, senseless act.” Palma wrote the IIHS a “terse” two-page letter condemning the crash test as “grandstanding” that was “foolish” and “irresponsible.”
 
Readers of a New York Times column on the crash test were similarly incensed. “What a waste of a nice ’59 Chevy Belair!” says one. “What a waste of a sweet Bel Air,” adds another. “Nice whitewalls.” I'm recalling similar grief over the hugely successful Cash for Clunkers program ("they crushed a perfectly good 1964 Le Mans!"). As much as classic car owners (and I'm one) don't want to admit it, their shiny beasts are often big polluters, minus catalytic converters and other emissions equipment.
 
Man holds gun rights sign
Photo: Steve Rhodes/Flickr
 
At least some of us (not me) are similarly fetishistic about guns. That’s demonstrated clearly in a column written by Steve Kozachik, vice mayor and City Council member in Tucson, Ariz., (scene of the Gabby Giffords shooting). He led a local gun buyback program (turn your weapon in to the police and get a $50 grocery coupon) that met with a furious reaction.
 
“The response made it clear the event I was planning hit a nerve among a group who evidently believe the proper disposal of a firearm is tantamount to the desecration of a holy icon,” said Kozachik, who has recently switched his party affiliation from Republican to Democrat in protest of the party’s position on guns.
 
“Guns are not fetish objects,” Kozachik wrote. But they obviously are for people who hate the idea of perfectly good rifles and pistols going out of circulation. Being killed, as it were.
 
I’m not advocating the crushing of all classic cars or the melting down of every gun. I’m just sayin’. Perhaps we’re getting a bit too emotionally attached to these man-made objects. If it would save one kid’s life, taking some deadly weapons out of circulation isn’t that big a price to pay. If it would stop one horrific fatal crash and teach us more about safety, saying R.I.P. to some antique car survivors is perfectly justified.

Thursday, January 24, 2013

OMG!

Never realized I hadn't posted in over 2 weeks!

Sorry, folks

Things have just gotten away from me the last week and a half...posting should be back on schedule starting this weekend.

Thursday, January 10, 2013

UK: How to insure a classic car

From The Telegraph:  How to insure a classic car 

For the rebellious among us, the Goodwood Revival, which takes place this year on September 13-15, is a salivating, lusting experience: all those wonderful classic cars making exhaust noises that on new models are thoroughly illegal, pushing out CO2 at non-PC levels, and which have safety systems that at most involve just a brake pedal.
How wonderful, you may think, to kick over all those wretched, nannyish, namby pamby health and safety regulations and just own and drive a car that takes your travel back to basics.
It can be anything from a Ford 8 Model Y (£100 when new) to a Jaguar D-Type but apart from buying the machine and maintaining it, there is another very significant aspect to consider: insurance.
For years I insured my – now elderly - Porsche 911 through a large insurance broking firm. Initially treated as a regular daily driver, it had an unlimited mileage, business use, two named drivers, fully comprehensive cover that cost between £400 and £500 each year over the best part of a decade. But two years ago that soared to more than £750.
There was no written explanation, no apology, not so much as a by-your-leave. Surely some mistake? No. It was due to the increasing number of spurious claims and the escalating cost of repairs, younger drivers, and many other factors. None my direct concern. What about the effect of the Arctic ice cap melting?
Unamused, the broker said that as the car was not used a great deal, around £500 would buy a limited mileage classic car policy. Give it a go? I was busy, and agreed.
At last renewal, though, the figure was back to £700. I had covered about 1,500 miles in the car in the previous 12 months, and to put it mildly, it leads a cossetted life. I tried to explain this to my insurer. But in essence I was talking to a flow-chart and a computer. No understanding, no interest: this is what the computer says – and that's that. Hopeless.
So I decided to call some classic car insurance specialists, which led to a quote almost halved from the original: mileage limited to 3,000 annually (it could be increased if necessary) and business use included. The key to achieving this proved to be the ability to talk to people who knew precisely what my car is (a 3.2 Carrera Sport coupé), and how I would treat it.
Among the specialist companies is broker ClassicLine, which employs only two dozen people but looks after around 25,000 classic cars. Director Darren Coote said that unlike some large brokers and insurance companies that are involved with the mass market, including young drivers, van drivers and those with a poor reputation, ClassicLine's clients own cars that cover low overall mileages, that are cherished, invariably driven with great care, and not parked in dodgy areas. Owners often belong to established marque clubs and most are aged between 35 and 70, says Coote, "So we can offer exclusive schemes that are not available elsewhere. And our rates have risen little over the last few years. For example, 10 years ago a Triumph TR6 would cost from about £85-£90 to insure. Today it's from £100."
Why? "Because a TR6 owner is unlikely to use his car as a daily driver. Statistically it will rarely go out in the wet and it's very much for Sundays and special days only," Coote adds.
It's the same for exotic Ferraris and Lamborghinis, he says. And they are generally cheaper to insure than a 911, as Coote explains: "That is because a 911 is so usable. Even the older ones are practical, reliable, can be - and are - used daily for shopping, commuting and business trips. So, compared with some other exotic models, insurance costs for them can be higher."
ClassicLine also handles current or late model "future classics", such as Mercedes' SL, the Jaguar XK-RS, 911s, or any Ferrari or Maserati. Says Coote: "The proviso is that they are treated by their owners as being something very special, covering less than 6,000 miles a year. We wouldn't be comfortable with 20,000, whatever the car or its age."
Sometimes, regular insurance companies and brokers can be very cautious. The words "Bentley Turbo R" uttered by journalist Simon Harris resulted in a request for £1,000. He had just bought a very smart 1988 Turbo R (price new £110,000) for £10,500: "So I went to a classic car broker who understands cars like mine and why I would own one. Now, my cover is £225 a year for a 3,000 mile limit. But despite its fuel consumption (17-18mpg), I enjoy driving the Bentley so much that I'm likely to exceed that. No problem, I was told, and for an extra 2,000 miles, I expect to pay about £50."
So when it comes to insuring a classic car, it seems that choosing a specialist is the best policy.