Grundy is an insurance broker, not an insurance company. One agent may not be as hungry as another, so one may decline where another approves.

As I recall, they place coverage with Tokio-Marine/Philadelphia Insurance Company, however the reason some of you may be getting different replies in different states for different reasons resides with that factor - and more. There are many reasons different agents/brokers may decline providing a quote having nothing to do with whether they CAN quote it or not, or you, or your sole vehicle.

Often it's just a matter of the fact brokers don't take on piece-meal business. They don't want to waste their time on your auto only. They may also want your Home, Boats, cabin in the Hamptons, contents and fine-arts collections, business, etc. Grundy ALSO does Homeowners, personal, excess liability, and boat insurance so sure, they may be looking for the auto-coverage to be a loss-leader. Ask them to quote auto only, and they may simply not be interested that day.

The above aside, many classic-auto brokers and insurers have limitations for various reasons, but the prerequisites are often similar;

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• Can't be your only car; you must have a primary driver, and your other vehicle can't be a motorcycle.
• ALL drivers in the household must have good driving records and each have their own access to a car other than your classic car.
• Age of the car (usually only accept 15 years and older - others 25 and older. They can and WILL place coverage for new cars that are often high-value or unique - think a new McLaren, 2018 Ford GT-40, Corvette ZR1/Z06, Ferrari, Maybach). Being that our Crossfires aren't quite yet 15, and not exceptionally rare yet, age will often be a denying factor at this point - though you might be able to slip a cherry SRT-6 through for approval.)
• Limits on mileage driven,
• Limits on when/why driven (i.e., for car shows, parades, exhibitions, pleasure drives only),
• Fully enclosed garage required (car-cover/tarp is not sufficient protection, open auto-ports are only allowed in certain states, cities/states along the Mexican border, and often prohibited near ocean-side cities or areas where crime/high-theft is an issue)
• Value; in many cases, anything higher than $15,000 requires an appraisal or recent purchase invoice showing that amount or higher.
• Some will decline if the car has nitrous or after-market superchargers/blowers, if it has hydraulics for "bounding" and their extra batteries for the same.
• Cannot be used for racing.
• Cannot be used for any kind of commercial-use. ( Want to use it as a picture-car in a film or for promotions? Excluded. - So make sure you have a rental agreement with the film production or promotions company and they are covering it on their insurance for ANY form of damage while working the film, even if you are the person driving it during the shoot (whether for a primary car of for background only).
• Must be registered; this is often negotiable, because many classics/antiques are trailer-queens and museum pieces only.
• Exclude certain kind of car-exhibition events, such as "poker-runs" and timed or gum-ball rallies.

For that matter, many people don't realize their current insurance company offers specialized class-car coverage options as well. If you talk with your existing insurance agent/broker, you might be surprised to learn they can (and already do) go to the same insurance company that Grundy would place you with.


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