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06-17-2019, 05:17 PM | #1 |
Member
Join Date: Aug 2017
Location: Williston, Florida
Posts: 82
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Collector Car Insurance
Do any of you have Grundy Collector Car Insurance? I was wondering how they are for Insurance coverage. Hugh
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06-17-2019, 05:32 PM | #2 |
Senior Member
Join Date: May 2010
Location: Raleigh, NC
Posts: 510
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Re: Collector Car Insurance
I've used Grundy insurance for my Model A's for over 20 years now with no issues.
Low cost, agreed replacement value, excellent coverage, and generous mileage/ usage privileges. An actual human agent also answers the phone after a few rings...every time...what's not to like?! I would certainly recommend Grundy as a reliable insurance carrier. |
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06-17-2019, 06:31 PM | #3 |
Member
Join Date: Aug 2017
Location: Williston, Florida
Posts: 82
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Re: Collector Car Insurance
Thanks for the input! Hugh
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06-17-2019, 06:50 PM | #4 |
Senior Member
Join Date: May 2010
Location: Cape Cod MA
Posts: 2,840
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Re: Collector Car Insurance
My local insurance agency handles Grundy insurance and I have had my policy about 25 years, no problem, but I have never had a claim so cannot write from that point of view.
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06-18-2019, 12:30 AM | #5 |
Senior Member
Join Date: May 2010
Location: Fountain Valley, Calif.
Posts: 937
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Re: Collector Car Insurance
I had Grundy for several years, until someone mentioned some of their restrictions on how you drive your Model A. So I called Grundy directly, and asked to speak to someone about my policy and any restrictions I might have. I told them I am retired, but like to drive my Model A several times a week, that I usually drive it to the Post Office, grocery store, and other routine errands, but not long distances. I was then told their coverage is designed for folks only driving their cars occasionally and not routinely as I was doing. They were very clear on that, and suggested with my driving habits I should look elsewhere for coverage. I had no other problem with Grundy and know many are very happy with them....I am just relaying what I was told about my driving, and they reiterated only for occasional, not repetitive use....and I told them again it wasn’t for driving to work...I was retired....they understood that. So I decided to go with AAA, who have no restrictions, other than not for driving to work....
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06-18-2019, 06:13 AM | #6 |
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Join Date: Feb 2011
Location: NNNNNNNNJJJJJJJJJJ
Posts: 6,817
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Re: Collector Car Insurance
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JC Taylor |
06-18-2019, 07:54 AM | #7 | |
Senior Member
Join Date: Nov 2018
Location: North Eastern MD
Posts: 486
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Re: Collector Car Insurance
Quote:
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06-18-2019, 08:43 AM | #8 |
Senior Member
Join Date: Mar 2017
Location: Connecticut Shoreline
Posts: 1,829
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Re: Collector Car Insurance
To many questions about what might or might not be covered.
We have used J. C. Taylor for over 40 years. No problems, agreed valve, drive car how you want to. Enjoy. |
06-18-2019, 08:50 AM | #9 |
Senior Member
Join Date: May 2010
Location: Lakeland, MN
Posts: 310
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Re: Collector Car Insurance
Every year before renewal time I review my collector car values and shop around for rates. Here is what I have for this year....
Cars: 1913 T, 1930 A, 1991 Miata. Grundy $180.00 Competitor A $217.00 (Taylor) Competitor B $235.00 (Hagerty) I renewed with Grundy for the 25th year.....never have had a claim. They have the same restrictions as Taylor
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Jeff P./MN 1913 Model T Runabout 1926 Model T Sport Touring 1948 Chrysler New Yorker |
06-18-2019, 12:47 PM | #10 |
Senior Member
Join Date: Feb 2011
Location: NNNNNNNNJJJJJJJJJJ
Posts: 6,817
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Re: Collector Car Insurance
with Taylor- no photos, no limits and a phone call or email to add or subtract.
BTW- Jeff, you must have very low coverage to insure 3 cars for 180 a yr. |
06-18-2019, 02:01 PM | #11 |
Senior Member
Join Date: May 2010
Location: Illinois
Posts: 2,187
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Re: Collector Car Insurance
I had my AV8 hotrod and my Tudor with Grundy. We like to tour a lot in the summer in the A. I asked them if I could take a trip through several states this summer.
They said no that it was using the car as a daily driver. I asked Hagerty the same question and they said no probllem. Both are very easy to deal with. John
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Welcome each day |
06-18-2019, 03:08 PM | #12 |
Senior Member
Join Date: May 2010
Posts: 2,792
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Re: Collector Car Insurance
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06-18-2019, 05:49 PM | #13 |
Senior Member
Join Date: Jan 2019
Location: Florida Panhandle
Posts: 587
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Re: Collector Car Insurance
Pretty happy with Haggerty. Probably best to get direct quotes and compare coverage.
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06-18-2019, 06:57 PM | #14 |
Senior Member
Join Date: Oct 2013
Location: Illinois
Posts: 382
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Re: Collector Car Insurance
I have haggerty also both model a fords and my 1998 Eldorado. Very reasonable.
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06-18-2019, 07:05 PM | #15 |
Senior Member
Join Date: May 2010
Location: Fountain Valley, Calif.
Posts: 937
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Re: Collector Car Insurance
It was the routine nature of it....they told me they like owners to use their cars occasionally, but not in a weekly routine....which for me was never exactly the same, but similar. I know they are good and highly rated, but I left after I explained that and was told that wasn’t best for them.....go figure.....that was enough for me, and AAA has been super easy to deal with besides, and I’m not paying any more either. AAA just doesn’t want the car driven to work...otherwise zero restrictions......
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06-18-2019, 07:27 PM | #16 | |
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Join Date: Apr 2016
Location: Bellingham, WA
Posts: 1,163
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Re: Collector Car Insurance
Quote:
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06-18-2019, 08:47 PM | #17 |
Member
Join Date: Nov 2010
Location: Cary, North Carolina
Posts: 36
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Re: Collector Car Insurance
Hugh
I had Grundy for approximately 7 years until I finished my roadster. I was on my way to a club meeting on a Sunday afternoon and was t boned by a very large deer. I submitted a claim and in talking to the adjuster who finally showed up after 3 weeks asked the first question where were you going. I responded with I was going to a club meeting. His response "are you sure"? I did all the restoration work myself and I think did a good job. The damage to the car was the passenger door was caved in, the cowl light destroyed and the cowl panel needed to be repainted. The check came a few days later of a whooping $600.00 dollars. To say the least I now have Haggertys and they have no restrictions. hope this helps. Bill |
06-18-2019, 09:48 PM | #18 |
Member
Join Date: Jun 2017
Location: Wisconsin
Posts: 51
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Re: Collector Car Insurance
I have Hagerty, insure my 3 cars with them.
Days of old, Hagerty wanted you to just drive your cars for car club stuff, no going out for cruises - just club events and parades. They have changed, and want you to drive the cars, just not to work. A few years back, had some damage done to the car, and called it in for a claim, which they handed off to a local adjuster. The Adjuster calls to set up a time, but due to my work schedule, would not be home until after 6 pm. Don't know if this cut into her "Happy Hour" time or what, but she asked if I could leave the car parked outside so they could come out and look at the damage. I told them no, as I am not going to leave my antique car sitting outside. She then asked if I could leave my 40x60 shed unlocked, so they could come over and look at the car. Of course, I told them no to this also. Of course, this is not the fault of Hagerty, as it was an Adjuster in my area that they had on call to go out and look at my car. I called Hagerty, went as far up as I could and told them about this - that they wanted me to leave my antique car sitting outside while I was at work, or to leave my shed unlocked while I was gone - just so it fit into their schedule. Hagerty dropped me a letter in the mail, apologizing for what happened. They told me to have the car repaired, send them the bill, and they would cover the cost. I also have their Roadside Assistance. Everytime I have used them, both on modern and antique car, I have had problems with their service. |
06-19-2019, 05:23 AM | #19 |
Senior Member
Join Date: May 2019
Location: Westford, MA
Posts: 195
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Re: Collector Car Insurance
My Hagerty contract, for my 1929 Tudor, that I believe is standard as I didn't request anything special says :
COVERAGE IS CONTINGENT UPON CONTINUED COMPLIANCE WITH THE FOLLOWING CONDITIONS, UNLESS HAGERTY OR THE COMPANY AGREES OTHERWISE: STORAGE While not in use, my vehicle(s) will be kept at its principal storage address in a solidly constructed, completely enclosed and locked structure (unless Hagerty or the Company agrees otherwise). USE 1. My vehicle(s) will be used on a limited basis consistent with the operation of a collectible vehicle such as occasional pleasure drives and club / hobby activities. 2. My vehicle(s) will not be used frequently for regular driving such as driving to and from work or school, shopping, errands, general transportation or back-up use. -‐--------------------------------' The wording : Pleasure drives and hobby activities are broad. A country side drive, that you do occasionally in the year fits there. A hobby activity can be drive the car "occasionally " on an interstate tour, etc etc. But I can not go to buy my coffee every day with the Tudor. That is clear, as it is not more occasional. I feel comfortable with those conditions. Last edited by Forddan; 06-19-2019 at 05:39 AM. |
06-19-2019, 05:49 AM | #20 |
Senior Member
Join Date: May 2019
Location: Westford, MA
Posts: 195
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Re: Collector Car Insurance
Following my previous posting what I will do today is call Hagerty to increase my annual driving miles.
Being new on the Model A hobby and not knowing precisely what activities I will be involved with the Club, my contract is for 700 annual miles. Since the snow melted in MA (~ April) I have already driven the car some 400 miles. |
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