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CORVETTE TODAY #208 - Celebrating 15 Years Of NCM Insurance
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Jul 12, 2025
The insurance branch of the National Corvette Museum is celebrating its 15th year in business! Adam Boca, the Executive Director of NCM Insurance joins your CORVETTE TODAY host, Steve Garrett, to talk more about this huge milestone. Adam was there from day 1 when NCM Insurance began. He talks about the start-up and where they are today. If you're considering switching your Collector Car (not just a Corvette) over to NCM Insurance, you're going to want to check out this episode of CORVETTE TODAY.
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0:00
[Music]
0:03
Welcome to Corvette Today, the show that
0:06
talks about everything Corvette with
0:08
your host Steve Garrett, lifetime member
0:11
of the National Corvette Museum,
0:13
president of the Corvette Club of Kansas
0:15
City, Missouri, and radio disc jockey at
0:18
the number one radio station in Kansas
0:20
City for over 45 years.
0:23
Here's Steve Garrett.
0:28
Thanks for listening and watching
0:29
Corvette Today, the show that talks
0:31
about everything Corvette and the only
0:33
current podcast dedicated to Corvette.
0:36
I'm your host, Steve Garrett. I
0:37
appreciate you tuning in. Corvette Today
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And a shout out to Canadian Corvette
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Corvette enthusiasts from around the
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world. My buddy Adam Bokea from NCM
3:50
Insurance returns to the show to talk
3:52
about a huge milestone that the
3:54
insurance arm of the National Corvette
3:55
Museum just hit. First of all, Adam,
3:58
welcome back to Corvette today, buddy.
4:00
Steve, thank you so much. It's always a
4:02
joy to hang out with you and chat with
4:04
you about NCM Insurance and it's great
4:06
to see the success that Corvette Today
4:08
has had and the impact it's making on
4:09
our community.
4:10
Thank you buddy. You're all part of that
4:12
and I appreciate you guys being a
4:13
sponsor of Corvette today. First of all,
4:15
Adam, let's talk about the huge
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milestone that you guys are hitting this
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year 15 years in business with NCM
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Insurance.
4:23
Yeah, it's remarkable. It's hard to
4:25
believe how far we've come as an agency.
4:27
You know, we started as a small little
4:29
agency and we've grown into this
4:30
bohemoth obviously due to a lot of the
4:33
hard work that our team does, but also
4:35
just the positive news that's being
4:37
shared, not only through your podcast,
4:39
but through Corvette Blogger and some of
4:40
the other channels that we have. So,
4:42
thank you. It's it's a huge deal.
4:44
That is a huge deal, buddy. Let's talk
4:46
about the beginnings of NCM Insurance
4:48
and your role in the creation of it back
4:50
in 2009.
4:52
Yeah, I mean, humble beginnings, right?
4:53
I started off when the business idea was
4:55
first launched. It really concerned me
4:57
just to be honest with you. My goal when
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we first started in 2009 when I got
5:01
hired to do this in 2008 was ultimately
5:04
to protect our customers in the event of
5:06
a loss. Now I kept thinking about that.
5:08
That was something in the back of my
5:10
brain, back of my mind. I was really
5:12
concerned about the image of the
5:13
National Corp Museum and protecting that
5:15
image and making sure that it was safe
5:17
and that we were offering the best
5:19
coverage to customers in the right
5:20
situations. I was an event planner for
5:22
us. I I booed my way through the ranks
5:24
at the National Glory Museum from
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delivery to IT to the events department
5:29
and then had the opportunity to start
5:31
this from absolutely nothing. Zero
5:33
policies, very grassroots beginning. I
5:36
myself had no insurance background at
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all, but I developed relationships with
5:40
customers and that really helped
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solidify who we are and where we're
5:44
located and who we're ultimately
5:47
supporting, which is the National
5:48
Corvette Museum.
5:49
Right. And you know, I've got my
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Corvette insured through you guys. The
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beauty of this is you insure more than
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just Corvettes, don't you?
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We do. I mean, we insure the gamut of
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electric vehicles. So, if it's a $3,500
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Miata to a 84 Cadillac Deville to a $3
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million Ko Sack, we can ensure any
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collector vehicle regardless of year.
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Even like you, Steve, your 2023
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Corvette, and then previous to that,
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your C7,
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right? So we can ensure any type of
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collected car. We're not age specific or
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age dependent.
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That's cool. And I like it that you can
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write policies even for car clubs and
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events like HPDE which is high
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performance driver education and also
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pup insurance. Talk a little bit more
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about each of those.
6:35
Yeah, absolutely. So one of our niches
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obviously we are collector vehicle
6:38
focused. That is the bread and butter,
6:40
the core of what we offer. However, we
6:43
continue to receive questions from car
6:45
clubs asking who do you recommend for
6:46
car club liability insurance? who do you
6:48
recommend for directors and officers
6:50
insurance for the decision makers of the
6:52
club and then it turned into also well
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we have a racetrack we need to provide
6:56
coverage to our guests on our racetrack
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or other tracks across the country so
7:01
there's a specific program just for HVD
7:04
coverage and then again for car clubs
7:07
and directors and officers so we're
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trying to fill those little niche market
7:11
or the specialty lines type business
7:13
that we offer and then that personal
7:15
umbrella policy we saw a lot of
7:17
customers were obtaining umbrellas
7:19
through other means through their normal
7:21
insurance provider. When you break off
7:23
your collector vehicle policy, it
7:25
sometimes doesn't make the insurance
7:27
companies happy. So, we needed to figure
7:29
out a way to retain customers to make
7:31
sure that we kept their business
7:32
properly protected. but then this extra
7:35
hedge of protection on top for the
7:37
customer in the event something was to
7:39
happen that's over and above the
7:41
liability limits that they may carry on
7:42
their homeowners policy, their daily
7:44
auto policy, and even extending to the
7:47
collective vehicle policy. So, the PUB
7:48
program, personal umbrella liability
7:50
program is a great offering. We don't
7:52
have a ton of policies with it, but it's
7:53
an offering. It's a necessity that we
7:55
felt like our customers needed to have
7:57
the option to have.
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I like that option. That's really,
8:00
really good. And this is something new
8:01
as well, Adam. You can now access your
8:04
account online, can't you?
8:05
You can. And that's super. This has been
8:08
about a year in the making trying to
8:10
select the right vendor, the right
8:12
program, somebody that was trusted in
8:14
the space, and we demoed a lot of
8:16
products, but what we selected through
8:18
Glovebox is a out ofthe-box platform
8:20
that our customers are sent an invite.
8:22
They can connect their American Modern
8:24
account or their Hagerty account
8:26
depending on who we place your coverage
8:27
with. And you can freely exchange
8:29
documents like your ID card, your
8:31
declarations pages. They just freely
8:34
exchange between the carrier and the
8:36
app. And that way it's always on you
8:38
24/7. But the really cool thing is it's
8:40
not just an app. It's also a client
8:43
portal. So you can log into it through
8:44
your website or through your web
8:46
browser. You have a lot more
8:47
functionality. It's laid out really nice
8:50
and have immediate access to your
8:52
documents.
8:53
Very cool. Well, buddy, let's take our
8:55
first break and when we come back in
8:57
segment two, we're going to talk about
8:58
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9:00
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I'm your host, Steve Garrett. With me is
12:00
the executive director of NCM Insurance,
12:02
Adam Bokeh. They are celebrating 15
12:05
years in business. In segment number
12:07
two, we're going to talk about the
12:08
specifics of insuring your Corvette or
12:11
car with the insurance. Adam, the thing
12:13
I like the best about this, I really
12:15
love this. You have agreed value
12:17
protection coverage. Now, explain that
12:19
in detail versus like stated value
12:22
protection and cash value policies.
12:24
No, it's a fantastic question, Steve.
12:26
It's really what our policy is based
12:29
around. What we offer is agreed value
12:31
protection. So when you and one of our
12:33
agents when we agree upon that value of
12:36
the car that is what we promise that we
12:38
are going to pay you in the event of a
12:40
total loss. So that's the main benefit
12:42
of our program. So Steve, example of
12:45
using your particular 2023 Corvette 70th
12:48
anniversary car. you know, if if you
12:50
paid $95,000 for that car and that was
12:53
the MSRP, we're going to lock in
12:56
$95,000. No depreciation, no decrease in
12:59
value, no haggling the value at the time
13:02
of the loss. So that's our guarantee to
13:05
you. And that value is determined before
13:07
the policy is ever written. So before
13:09
you pay money, before you get involved
13:11
in a policy that may not be right for
13:13
you, you know exactly what you're going
13:15
to get. Typically in the insurance world
13:17
there are two other I guess values or
13:20
how values are determined by the
13:22
insurance companies. Traditionally both
13:24
are found with standard typical auto
13:26
insurance providers that you find on
13:29
every corner in every town. So that
13:31
would be stated value policies and
13:33
actual cash value. So stated value is
13:36
where you state the value. Now that
13:39
doesn't mean that's what you're going to
13:41
get in the event of a total loss. So
13:43
with us, we guarantee that you're going
13:45
to get that value. Save value will pay
13:47
up to the stated amount. So if you read
13:50
in between those lines, there's a little
13:52
bit of gray area and that's determined
13:54
by the insurance company, not you. And
13:56
then there's the actual cash value,
13:58
which means the book value at the time
14:01
of the loss. So, if you have your 65
14:04
Corvette insured by Jake or Flo or any
14:06
of those other big names that are out
14:08
there, then essentially they're going to
14:10
tell you what the car is worth when it's
14:12
totaled and you can argue, but who
14:14
really wants to do that. So, again,
14:17
peace of mind. You know exactly what
14:18
you're going to get from us.
14:20
Boy, and I'll tell you what, buddy. I
14:21
used to have my insurance through State
14:22
Farm and agreed value protection is what
14:25
got me to switch it over. That in and of
14:27
itself is just fantastic.
14:29
Absolutely. But then with you, Steve,
14:31
you know, you love all the carbon fiber.
14:32
You love making the vehicle yours,
14:34
right?
14:34
And so we can promise that we're going
14:36
to pay for those modifications or those
14:39
changes that you made because it's a
14:41
significant investment that you have.
14:42
That's really awesome. Also, this is
14:44
unique to auto insurance, too. You have
14:47
mileage tiers that you can choose from.
14:49
Talk a little bit more about that and
14:51
rollover as well.
14:52
Absolutely. So, with our main carrier,
14:54
American Modern, we have three different
14:55
mileage tiers, 1,000, 3,000, and 6,000
14:59
mi or less. So, depending on what
15:01
mileage plan that you choose, your
15:03
premium is derived based off of the
15:05
mileage and the value. So, if you have
15:07
the,000 mi here, you're obviously going
15:09
to be paying less than the person that
15:11
has 6,000 mi. But like in my case, my 69
15:14
Corvette, I only drive it 1,000 miles or
15:16
so a year, if that. But my 72 Suburban,
15:20
I might drive it two or three thousand
15:22
miles. But if I don't use all those
15:24
miles, I've paid them. I've paid for
15:26
them, so I might as well keep them. So
15:28
any unused miles do roll over from year
15:31
to year per vehicle,
15:32
which is fantastic. I love that aspect
15:34
of the insurance. That's so cool because
15:37
if you don't use it, then it just rolls
15:39
over on mileage and you keep
15:40
accumulating that throughout the life of
15:42
the policy.
15:43
That's exactly right. Also, what your
15:45
listeners may not know is we also do
15:47
offer Hagerty insurance and they have
15:49
the unlimited mileage plan. So, if your
15:51
listeners drive it outside of that 6,000
15:53
mile tier, we probably can place
15:55
coverage as long as the usage is within
15:57
the collector vehicle lifestyle.
15:59
Gotcha. Now, also, let's talk about
16:01
insuring more than one car because when
16:03
you pay liability coverage, that covers
16:06
all the cars that are insured through
16:08
NCM insurance.
16:09
That's exactly right. So you going back
16:11
to my example of our 69 Corvette and
16:13
then the 72 Suburban that I have the 69
16:16
Corvette when I bought that policy I had
16:18
to pay the liability regardless. So the
16:20
liabilities are bodily injury uninsured
16:22
underinsured. I have super high limits
16:24
because I have a personal umbrella
16:26
policy like we talked about a little bit
16:28
ago. My minimum requirements I'm allowed
16:30
to carry are 250,000
16:32
500,000 and then 250,000 for property
16:35
damage. And so my umbrella requires me
16:37
to carry those high limits. Now, I only
16:39
paid like $245 a year for that policy.
16:43
When I added my Suburban, all I had to
16:45
pay was the comprehensive collision and
16:47
towing on the Suburban because the
16:49
liabilities were on the policy already.
16:51
So, with traditional insurance, you
16:53
know, going back to the Jake comment
16:54
that you just made, you have to pay the
16:56
liability on every single vehicle and
16:59
that really adds up. So, this is a way
17:01
that you could save quite a bit of money
17:03
by not having to pay for those
17:05
liabilities twice.
17:06
That is fantastic. Now, this is also
17:08
really cool. God forbid you have an
17:10
accident with your car, you get a
17:12
dedicated claims adjuster that you work
17:14
with through the entire process, don't
17:16
you?
17:16
You do. And going back to the foundation
17:18
of why we started was to provide
17:20
exceptional customer service, pay for
17:22
qualified claims, but having that peace
17:25
of mind of knowing that you're going to
17:26
talk to the same person over and over
17:28
again while your claim is being handled
17:30
really just adds comfort to our clients.
17:33
You don't have to explain the situation
17:35
over and over again. And that really
17:37
helps out and helps make the claims
17:40
process smoother and faster. Now, if you
17:42
ever were to have problems, we actually
17:44
have our own internal claims liaison.
17:47
His name is Trent. He's fairly new to
17:49
the organization. He came to us with an
17:51
insurance claims background.
17:53
Oh.
17:53
And so he works directly with American
17:55
Modern or Hagerty in the event that our
17:57
customers need it. That's a no cost
18:00
added service that we provide to our
18:02
customers.
18:03
That's fantastic. And here's another
18:05
cool thing. If you do have an accident,
18:07
you can take your car to any shop that
18:09
you want to. Or if you want to work on
18:11
the car yourself, NCM Insurance pays you
18:14
to take care of the claim.
18:15
That's right. Who does that in this
18:16
industry, right?
18:17
Exactly.
18:18
I mean, nobody pays you to work on your
18:20
car. But yeah, it's an, you know, a lot
18:22
of our customers are hands-on, whether
18:23
they're NCS judges for Restore Society
18:26
or they're part of Mustang Club of
18:28
America or GTO club that judges cars.
18:31
They know more about restoring the cars
18:33
than that the collision shop down the
18:35
road. So, your expertise gets rewarded.
18:38
If you want to work on your car, you
18:39
can. We will pay you to fair wage to
18:42
work on that car. But if you're not that
18:44
hands-on guy like myself, you can take
18:46
it to any shop of your choice. You know
18:48
the shops in your area way better than
18:49
we do. And there's no pre-negotiated
18:52
rates. We're going to pay the shop rate.
18:54
You're going to be taken care of. And
18:55
you're going to have peace of mind
18:56
knowing that that guy down the road has
18:58
your best interest at heart. Buddy, I
19:00
tell you what, with agreed value
19:01
protection, getting your own dedicated
19:04
claims adjuster, and taking the car to
19:06
any shop you want or working on the car
19:08
yourself, NCM Insurance for me was a
19:10
slam dunk. That's for sure.
19:12
That's awesome. That's what we like to
19:13
hear. That's why we do what we do.
19:14
Absolutely right. Well, buddy, let's
19:16
take our final break. When we come back,
19:18
we're going to talk about a few things
19:19
you might not know about NCM Insurance.
19:22
That's on deck next on Corvette Today.
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You're enjoying the only current podcast
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on Corvettes. Corvette Today.
20:54
Thanks once again for listening and
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watching Corvette Today, the show that
20:57
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21:22
I'm your host Steve Garrett. With me is
21:24
my buddy Adam Bokeh, the executive
21:26
director of NCM Insurance. They are
21:28
celebrating year number 15 in business,
21:31
which is a huge milestone. In this final
21:33
segment, we're going to talk about a few
21:35
of the things that you might not know
21:36
about NCM Insurance. Adam, one of the
21:39
cool things about the insurance is that
21:41
you get a discount if you're a member of
21:43
the National Corvette Museum, don't you?
21:45
You do. And that's a huge benefit to our
21:47
members. I have to preface that by
21:49
saying unfortunately not every state
21:52
applies. There are some states that just
21:53
don't allow a membership discount. Those
21:55
are states like Tennessee, Indiana,
21:57
California, and a couple of others that
21:59
don't. But in most cases, the savings on
22:02
insurance will far outweigh the cost of
22:05
the membership. Then the additional
22:06
benefits, you know, the discount on the
22:08
store, discount on events, free
22:09
admission. The magazine that we produce
22:11
is extremely high caliber. It's just a
22:14
great value ad for our members and our
22:17
customers.
22:17
That's fantastic. Also, a lot of people
22:20
obviously like to road trip in their
22:21
Corvettes or their collector cars. You
22:23
guys offer trip interruption coverage,
22:26
don't you?
22:26
We do. And that's one of those little
22:28
features in the policy. It's just baked
22:29
into the overall cost. It costs nothing
22:31
more, but it is a great policy feature.
22:34
So, an example, if you're more than 90
22:36
mi from home and you break down, you're
22:38
going to unfortunately incur some
22:39
unexpected expenses. Whether that's a
22:42
rental car to get back home or taking it
22:44
to the shop to get repaired, we will
22:46
help reimburse those unexpected
22:48
expenses. I believe it's $150 a day and
22:51
it's up to $600 per occurrence. We had
22:55
one customer who broke down. He's out of
22:56
Kansas City actually. Oh,
22:58
your hometown. Yep. And he broke down in
23:00
Oklahoma on the way back from a car
23:02
event. He was pretty much stranded, but
23:05
he called us up. We walked him through
23:07
it. We assured him that we would help
23:08
him out. So, we paid for like his hotel
23:11
and a car to get around while his car
23:13
was being repaired. That was his moment
23:15
of, "Wow, this is why collector car
23:18
coverage exists."
23:19
Exactly. Right. Now, you guys also, and
23:22
this is unique, you offer spare parts
23:24
coverage. Talk about that.
23:25
Yeah. So many of us have parts left in
23:28
the garage, whether it's that spare roof
23:30
if you have two roofs on your car or a
23:32
second set of wheels and tires because
23:34
you have the Wheelcraft wheels on the
23:36
car and you have the stock wheels in the
23:37
garage. So if something happens to those
23:40
extra parts, then we will help reimburse
23:43
up to $2,000 to make you whole again. So
23:46
whether that's a fire or a tornado or
23:48
they become stolen, then that is where
23:50
that coverage really comes into play and
23:53
really helps you recoup that investment
23:55
that you have made and you can always
23:57
increase that too. So if you're
23:58
restoring a 65 Corvette or whatever the
24:01
car may be and you have all these parts
24:03
and boxes, if something happens to them,
24:06
we're going to help reimburse you for
24:07
those expenses.
24:08
That's amazing. Now, there are different
24:10
types of categories for coverage.
24:12
There's antique cars, classic cars,
24:15
exotics, even kit cars and collectibles,
24:18
aren't there?
24:18
There are. And that's a great segue into
24:21
the different types of vehicles that we
24:23
can ensure. And with us, you know, even
24:24
though we're at the Corvette Museum, our
24:26
core business is Corvette, but car
24:28
people are car people. When they find
24:29
out there's a great product to be had,
24:31
we're going to get a slew of Ford GTs or
24:34
a slew of Lamborghini Huracans. It's
24:36
amazing to watch. So we can ensure like
24:38
you said the antiques, the brassier type
24:40
cars from the Duesenbergs and the
24:42
Auburns to newer Corvettes to Mustangs,
24:45
Camaros, any exotic vehicle as well.
24:48
It's amazing the caliber of vehicle that
24:50
we can ensure. Like I mentioned, from
24:52
that $3,500 Miata all the way up to that
24:55
$3.5 million Koig seg.
24:58
That's what I'm going for. The $3.5
24:59
million Koigseg.
25:01
Absolutely. You should. It'll be Koigseg
25:03
today podcast.
25:04
There you go. I like that. That's a
25:06
great idea, buddy. In 15 years, you have
25:09
really grown your staff and the
25:10
facility. Talk about the staff and the
25:12
facility for NCM Insurance.
25:14
Yeah, I'm super proud thinking back on
25:16
that very humble beginning where it was
25:18
just me for many years and then we
25:20
brought on Bobby Joe in 2012 and now we
25:23
have 10 team members that work and
25:25
service our clients. It's been an
25:26
amazing journey and be able to see our
25:28
team grow and be hungry, but offering
25:30
the best coverage out there is exciting.
25:32
We only grow because our customers needs
25:36
demand it. So the more calls we take,
25:38
the more we're going to have to grow.
25:39
And I realize that sometimes change is
25:41
hard for customers and they only want to
25:43
speak with Adam, but we only hire the
25:46
best and I'm proud of that. Now, you
25:48
mentioned our growth, a new location. We
25:50
still are inside the National Corpet
25:52
Museum. We do have one seat there. Jenny
25:54
typically is in there. And then we have
25:56
a location about 10 minutes away that
25:58
the remaining nine people sit in. And
26:00
actually, we're adding one more
26:02
hopefully within the next two months.
26:04
So, we have an off-site location, which
26:05
is great. It really allows us to dig in,
26:08
focus, and make sure that our clients
26:10
needs are handled quickly and
26:11
efficiently.
26:11
Very nice. Now, where can someone get a
26:14
hold of you guys at NCM Insurance or
26:16
follow you on social media?
26:18
Yeah, thank you. Our customers or
26:20
anybody can go to ncm insurance.com. So,
26:22
ncm for national court museum
26:24
insurance.com. If you click on get a
26:27
quote, there is a lead source in that
26:29
quote form. So, make sure that you put
26:30
in there Corvette Today podcast. That
26:32
way we can let Steve know that these
26:34
podcasts work. Yeah.
26:35
And then also you can follow us online
26:37
on Facebook. Go to NCM Insurance Agency.
26:40
Just type that in. And then Instagram,
26:42
NCM Insurance, Twitter. We are on almost
26:44
all of the social platforms. But then if
26:47
you ever need anything, just call our
26:48
office. Our phone number is 8776787626.
26:52
And also bring all your insurance stuff
26:54
with you to the Michelin NCM Bash. You
26:57
can get a quote right there and have
26:59
everybody at the NCM insurance agency
27:01
compare policies with what you've got
27:03
currently, can't they?
27:04
That's exactly right. And by bringing
27:06
your policy, we want to make sure that
27:08
we match your coverage limit. So, your
27:10
bodily injury, uninsured, underinsured,
27:12
we don't want there to be any difference
27:13
in coverage. That way, when you walk
27:15
away, you know that you're not making a
27:16
sacrifice in coverage at all.
27:18
Very cool, buddy. Congratulations once
27:21
again on a milestone. 15 years in
27:23
business. You were there from startup.
27:25
I'm so proud of you and everybody at the
27:27
insurance agency.
27:28
Steve, thank you so much. We appreciate
27:30
you. Appreciate your support. Appreciate
27:31
your friendship and again everything you
27:33
do for our community.
27:35
Thanks again for listening and watching
27:36
Corvette Today. And be sure to tell your
27:38
family, friends, and other Corvette
27:40
enthusiasts about the Corvette Today
27:42
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finishing. They can refinish your wheels
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or offer a wheel exchange for most
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models and it comes with a 5-year
27:56
warranty. Visit wheelcraft.com today or
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Thanks for checking out Corvette today
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28:37
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28:39
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