This is topic Grundy Insurance?? in forum General Talk at Northern California Ford Owners  .


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Posted by BluS281 (Member # 12890) on :
 
Anyone insured through them? Any experience with claims? Have an 04 saleen that I hardly drive & only use it for "pleasure" you can say.
 
Posted by 2T0NE (Member # 4216) on :
 
Havent tried grundy , but i did get quotes from hagerty and heacock on classic car insurance but due to my high speed chase on my record from back when i lived in the bay they couldnt insure me till those 2 points drop
 
Posted by 04 S281 (Member # 9229) on :
 
Their policies may have changed, but in the past Grundy was very strict about coverage... As in, very selective as to the conditions under which your car is covered.

Example: say you have a $30k agreed value, unlimited mileage collector car policy through Grundy.

Under the old policy, you are allowed unlimited mileage of pleasure cruising. But, you are not allowed to take extended road trips or any over night stays away from your garage. If you park at a girls house overnight, and the car is stolen or vandalized in that location, your claim could be denied.

If you car is stolen or vandalized or otherwise damaged or totaled, say... In the parking lot of a mall or grocery store while you're shopping... Not covered. That is considered an "errand" not pleasure driving.

Collector car insurance covers cars that are treated like a collector car. Namely, garaged. Driven to car shows. Taken on a day cruise. Trailered to events. Not a car used to run errands or go to work or generally used like a normal car in any way.

Other companies will sometimes allow for errand running, driving to work, road trips and such... But they usually have steep yearly mileage limitations to offset these higher risk driving conditions.
 
Posted by 04 S281 (Member # 9229) on :
 
Shop around. A lot. Talk to agents on the phone about your needs and conditions. As I stated in the other thread, make sure it is an Agreed Value policy. Make sure you'll be covered under the conditions you actually drive.
 




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