The Ford Barn

RobertB · 01-22-2014, 01:46 PM

I just completed the paperwork for Grundy collector car insurance for my new 31 Town Sedan. It's due to arrive at 0900 tomorrow morning!

I had looked into Haggerty and another company reccomended by the company that insures my other cars, but the VIN plate guy sent me a Grundy brochure so I tried them today.

$160 bucks a year for estimated 2500-5000 miles of driving, $300K auto liability, and $15K agreed value....that's the ceapest of the three quotes I got. I'm waiting for them to call me for my credit card info so I can pay the premium.

Anyone have any experience with Grundy? Haggerty? Anyone else? By experience, I mean have you filed a claim and how did they handle it?

soooo happy it's coming!

J Franklin · 01-22-2014, 02:07 PM

I use Grundy. All seems OK.

ford3 · 01-22-2014, 02:18 PM

i use hagerty, had the hood blow up on my 57 chevy on the way home from a car show, took it my insurance broker, he looked at it and said go get an estimate and bring it to him, i did, had a check with in the week, they said take it any where i wanted, no hassels with them

Tiny · 01-22-2014, 02:54 PM

I also use Hagerty $112 for $15k of coverage. I add the $50 to it for towing also

Keeper79 · 01-22-2014, 03:03 PM

some good prices,

whirnot · 01-22-2014, 03:24 PM

Sponsored Links (Register now to hide all advertisements)

I have Hagerty, $180 for 12K. My '77 jeep as a second car, $56! towing on both.

Tom Cavallaro · 01-22-2014, 03:38 PM

I have all the same as above including flat bed towing $149.00 with condon and skelly here in NJ. And the set value of the car is $15,000.00

whirnot · 01-22-2014, 03:54 PM

Quote:

Originally Posted by Jeff/Illinois

just a thought on your agreed values on those cars, and Brent has pointed this out before, you MAY want to 'up' that coverage on your car, and spend a few extra bucks for a premium.

$15,000 won't go very far today to restore an antique auto. You can spend eight grand or more just on a quality paint job alone sometimes upwards of ten grand.

I took Mr. Terry's advice and took out more coverage some time back. Didn't break the bank and you will rest better!!

And I also actually have BOTH Grundy and Hagerty, both are excellent. Grundy was just a few bucks cheaper on two of our cars, but wouldn't hesitate to have either as the sole provider.

Good advise, I am planning on upping it at renewal.

Tiny · 01-22-2014, 03:55 PM

Jeff I feel that's about all my car is worth and that might be stretching it a bit. I don't expect them to replace my coupe with a blue ribbon car or give me the money to turn it into one. If it was a total loss I would just want to be able to replace it with a similar one.

RonC · 01-22-2014, 04:49 PM

Grundy has a mileage limit?

Tiny · 01-22-2014, 04:59 PM

Quote:

Originally Posted by Jeff/Illinois

I just hope and pray that I never have to turn n a claim!!

That's what we are hope. I hear you

RobertB · 01-22-2014, 05:01 PM

They apparently don't want to insure daily drivers, but don't take that as absolute fact...Grundy I mean.

A drop down menu on their applaication went up to at least 10000 miles. I picked 2501-5000 because I believe it is realistic.

My premium may be a little higher because I opted for $300,000 in liability., + comp and collision.

The $15K is reasonable for me right now as I can replace the car for less than that. If I improve the car much, or if the market seems to be going up, I will increase the amount next year.

I tend to base my value on cars with the Hemmings.com search, and an advanced search of ebay for only SOLD vehicles.

Our cars are not selling for what they once did. I found home restorations for $30K plus when I was looking, and ragged cars for $10-15K asking, but I saw not evidence they were selling for that amount.

Following Craig's list in El Paso I see the same high priced cars listed off and on for two years now. There's the occasional bargain...like the 29 roadster, restored and driving, for $5500 or best offer....I missed it by an hour.

Dusty · 01-22-2014, 05:31 PM

I was going to go with Grundy as I got more coverage for a bit less money. I was told by the person I spoke to that there was no mileage limit, however it could not be use as a daily driver. Its was all fine until he told me no overnight trips, at the end of the day they want it back in your garage. So I stayed with Hagarty as they understood about the touring aspect of Model A ownership.

dusty

Mitch//pa · 01-22-2014, 05:37 PM

15 is way to low on most driver quality cars. folks tend to forget about time and money put into these cars after purchase. agreed value is a different ball game which most really know nothing about but think they do.
driver cars should be insured for 25-35k and show quality cars higher depending on the investment.....
your talking another 100 for that addtl coverage and your not being sleezy or crooked. its your dime do as you please...
this has been discussed many times as the old saying goes you can lead a horse to water but not make him drink it
I use Grundy and never had a problem insuring my cars for whatever value i thought was needed. Same goes for anyone i know that uses them. Try it

RobertB · 01-22-2014, 05:45 PM

Reminds me of the H L Menkin's definition of horticulture. "you can lead a whore to culture, but you can't make her think"

1931 flamingo · 01-22-2014, 06:12 PM

RobertB: This has been discussed many times before. Try doing a "search". Black bar at the top of the page.
Ins is almost like oil, tires, some like one brand and others another.
JMO
Paul in CT

FWIW I have Hagerty thru my local agent, AARP The Hartford on my regular cars.

1crosscut · 01-22-2014, 06:55 PM

I may not be as simple as saying that I want to insure my vehicle for "X" amount. The insurer has to agree that "X" is a realistic value.

Great Lakes Greg · 01-22-2014, 07:48 PM

An issue here in the North, Hagerty does not let you drop collision over the winter months while the car is in slumber. I stay with them anyway.

J Franklin · 01-22-2014, 07:53 PM

My policy with Grundy does not charge for Liability on additional cars after 3 cars are on the policy.

John LaVoy · 01-22-2014, 08:07 PM

Several years ago a person I know filed a claim against Grundy and was blown away by the service. They paid for the towing, which is what he initially asked for, then asked why he needed the tow and they covered all kinds of stuff like the radiator that was damaged when the fan came apart the hood repair and paint plus paid him for the work he had done on his own! He became a real fan of Grundy from that.

01-22-2014, 01:46 PM	#1
RobertB Senior Member Join Date: Jan 2014 Location: Santa Teresa, NM Posts: 133	Insurance? I just completed the paperwork for Grundy collector car insurance for my new 31 Town Sedan. It's due to arrive at 0900 tomorrow morning! I had looked into Haggerty and another company reccomended by the company that insures my other cars, but the VIN plate guy sent me a Grundy brochure so I tried them today. $160 bucks a year for estimated 2500-5000 miles of driving, $300K auto liability, and $15K agreed value....that's the ceapest of the three quotes I got. I'm waiting for them to call me for my credit card info so I can pay the premium. Anyone have any experience with Grundy? Haggerty? Anyone else? By experience, I mean have you filed a claim and how did they handle it? soooo happy it's coming! __________________ RobertB Santa Teresa, NM

01-22-2014, 02:07 PM	#2
J Franklin Senior Member Join Date: May 2010 Location: Oregon Posts: 5,979	Re: Insurance? I use Grundy. All seems OK.

01-22-2014, 02:18 PM	#3
ford3 Senior Member Join Date: Oct 2012 Location: oroville calif. Posts: 1,453	Re: Insurance? i use hagerty, had the hood blow up on my 57 chevy on the way home from a car show, took it my insurance broker, he looked at it and said go get an estimate and bring it to him, i did, had a check with in the week, they said take it any where i wanted, no hassels with them

01-22-2014, 02:54 PM	#4
Tiny Senior Member Join Date: May 2010 Location: Redding Cal Posts: 1,388	Re: Insurance? I also use Hagerty $112 for $15k of coverage. I add the $50 to it for towing also __________________ Blackwall Panthers Nor Cal chapter

01-22-2014, 03:03 PM	#5
Keeper79 Member Join Date: Jul 2011 Location: In the Sticks of Virginia Posts: 62	Re: Insurance? some good prices,

01-22-2014, 03:24 PM	#6
whirnot Senior Member Join Date: Mar 2013 Location: Bend Or. Posts: 1,057	Re: Insurance? Sponsored Links (Register now to hide all advertisements) I have Hagerty, $180 for 12K. My '77 jeep as a second car, $56! towing on both. __________________ Bill Worden 1929 Roadster 1929 Briggs Town Sedan 1930 Closed Cab pickup Smith Motor Compressor 1951 Ford F1 High Desert Model A's

01-22-2014, 03:38 PM	#7
Tom Cavallaro Senior Member Join Date: Nov 2011 Location: Barrington, NJ Posts: 280	Re: Insurance? I have all the same as above including flat bed towing $149.00 with condon and skelly here in NJ. And the set value of the car is $15,000.00 __________________ I work very hard to avoid all and any mistakes. I thought I made a mistake once, but I was wrong.

01-22-2014, 03:55 PM	#9
Tiny Senior Member Join Date: May 2010 Location: Redding Cal Posts: 1,388	Re: Insurance? Jeff I feel that's about all my car is worth and that might be stretching it a bit. I don't expect them to replace my coupe with a blue ribbon car or give me the money to turn it into one. If it was a total loss I would just want to be able to replace it with a similar one. __________________ Blackwall Panthers Nor Cal chapter

01-22-2014, 04:49 PM	#10
RonC Senior Member Join Date: May 2010 Location: Rhode Island Posts: 1,868	Re: Insurance? Grundy has a mileage limit?

01-22-2014, 05:01 PM	#12
RobertB Senior Member Join Date: Jan 2014 Location: Santa Teresa, NM Posts: 133	Re: Insurance? They apparently don't want to insure daily drivers, but don't take that as absolute fact...Grundy I mean. A drop down menu on their applaication went up to at least 10000 miles. I picked 2501-5000 because I believe it is realistic. My premium may be a little higher because I opted for $300,000 in liability., + comp and collision. The $15K is reasonable for me right now as I can replace the car for less than that. If I improve the car much, or if the market seems to be going up, I will increase the amount next year. I tend to base my value on cars with the Hemmings.com search, and an advanced search of ebay for only SOLD vehicles. Our cars are not selling for what they once did. I found home restorations for $30K plus when I was looking, and ragged cars for $10-15K asking, but I saw not evidence they were selling for that amount. Following Craig's list in El Paso I see the same high priced cars listed off and on for two years now. There's the occasional bargain...like the 29 roadster, restored and driving, for $5500 or best offer....I missed it by an hour. __________________ RobertB Santa Teresa, NM

01-22-2014, 05:31 PM	#13
Dusty Senior Member Join Date: May 2010 Location: Lincolnton, Georgia Posts: 723	Re: Insurance? I was going to go with Grundy as I got more coverage for a bit less money. I was told by the person I spoke to that there was no mileage limit, however it could not be use as a daily driver. Its was all fine until he told me no overnight trips, at the end of the day they want it back in your garage. So I stayed with Hagarty as they understood about the touring aspect of Model A ownership. dusty

01-22-2014, 05:37 PM	#14
Mitch//pa BANNED Join Date: May 2010 Location: Bucks County, PA Posts: 11,454	Re: Insurance? 15 is way to low on most driver quality cars. folks tend to forget about time and money put into these cars after purchase. agreed value is a different ball game which most really know nothing about but think they do. driver cars should be insured for 25-35k and show quality cars higher depending on the investment..... your talking another 100 for that addtl coverage and your not being sleezy or crooked. its your dime do as you please... this has been discussed many times as the old saying goes you can lead a horse to water but not make him drink it I use Grundy and never had a problem insuring my cars for whatever value i thought was needed. Same goes for anyone i know that uses them. Try it Last edited by Mitch//pa; 01-22-2014 at 08:27 PM.

01-22-2014, 05:45 PM	#15
RobertB Senior Member Join Date: Jan 2014 Location: Santa Teresa, NM Posts: 133	Re: Insurance? Reminds me of the H L Menkin's definition of horticulture. "you can lead a whore to culture, but you can't make her think" __________________ RobertB Santa Teresa, NM

01-22-2014, 06:12 PM	#16
1931 flamingo Senior Member Join Date: May 2010 Location: new britain,ct 06052 Posts: 9,392	Re: Insurance? RobertB: This has been discussed many times before. Try doing a "search". Black bar at the top of the page. Ins is almost like oil, tires, some like one brand and others another. JMO Paul in CT FWIW I have Hagerty thru my local agent, AARP The Hartford on my regular cars.

01-22-2014, 06:55 PM	#17
1crosscut Senior Member Join Date: Feb 2011 Location: Lincoln, Nebraska Posts: 1,912	Re: Insurance? I may not be as simple as saying that I want to insure my vehicle for "X" amount. The insurer has to agree that "X" is a realistic value. __________________ Dave / Lincoln Nebraska

01-22-2014, 07:48 PM	#18
Great Lakes Greg Senior Member Join Date: May 2010 Posts: 1,369	Re: Insurance? An issue here in the North, Hagerty does not let you drop collision over the winter months while the car is in slumber. I stay with them anyway.

01-22-2014, 07:53 PM	#19
J Franklin Senior Member Join Date: May 2010 Location: Oregon Posts: 5,979	Re: Insurance? My policy with Grundy does not charge for Liability on additional cars after 3 cars are on the policy.

01-22-2014, 08:07 PM	#20
John LaVoy Senior Member Join Date: May 2010 Location: Rocklin, CA Posts: 1,219	Re: Insurance? Several years ago a person I know filed a claim against Grundy and was blown away by the service. They paid for the towing, which is what he initially asked for, then asked why he needed the tow and they covered all kinds of stuff like the radiator that was damaged when the fan came apart the hood repair and paint plus paid him for the work he had done on his own! He became a real fan of Grundy from that.