insurance on my mgtd migi

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This topic contains 3 replies, has 4 voices, and was last updated by  pmossberg 1 year, 3 months ago.

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    I have bought my MG TD Replica and it is awaiting shipment.  Hagerty won’t insure it because I closed in my garage.  Any suggestions on someone who writesinsurance without this requirement.  Also, the car was assembled in Texas, and the owner in Oklahoma has a title with a VIN 119219037   1981  MIGI..  He says there is no other VIN even between the seats.  any suggestions.  Will the state of Florida register the car with that VIN?  They did in Oklahoma.  Thanks for any advice..Danny Woods

    • This topic was modified 1 year, 3 months ago by  pmossberg.



    Dear Danny

    I’ve been insured through State Farm for many years…Even when I drove a 1929 Mercedes (Gazelle) kit car. I’ve never had any claims…”Knock on wood”. I’m located in Southern California…Can’t help you on the VIN…I’ll leave that to the real smart guys here…Hope this helps…




    Our Duchess is insured with American Modern that we got through our Broker that handles our Mercury policies. We are in So Cal also. It’s one of those goofy collector car policies, but it was the only one I could find.




    Your VIN is a VW VIN.

    119219037  is a Type 1 (Beetle) built in September 1968.

    VIN Decoder on the Samba at:

    Hard to beleive teh VIN is not stamped on your VW pan. The VIN isn’t really “between your seats.” It is further back on the VW pan, near the access plate for the shift rod to transaxle connection. A picture being worth 1000 words:

    I did not read through it, but here are the rules and regulations for titling a kit car in Florida, courtesy of SEMA:

    As far as the insurance, there are many threads on that topic here. Here is just one:

    Read Ed and my responses to that topic. Wealth of info there! Be careful of the mainstream, mass market companies (State Farm, Allstate etc). They may insure your collector car, but with the standard policy provisions, which means they will apply depreciation to determine the actual cash value in the event of a loss (details in the thread linked above).

    What do you mean “closed in your garage? Most collector car insurers want your car stored in a closed and locked garage. They will not look with favor upon any collector car that lives outdoors!

    American Collectors will insure kit cars. They have both of mine. And my 65 Plymouth.




    Paul Mossberg
    1982 Classic Roadsters Ltd. Duchess (VW)
    2005 Intermeccanica Roadster

    If you own a TDr and are not in the Registry, please go to and register (you need to copy and paste the link)

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