Grundy Car Insurance Reviews: Pros and Cons

Grundy Car Insurance Reviews- Pros and Cons

As the owner of a collector vehicle, you’ll want to consider Grundy Car Insurance reviews when looking for a policy to suit your needs. With their specialized policies, you will be able to have the coverage you need to ensure your vintage vehicle is protected.

Compared to new car insurance, this type of coverage is typically more expensive and difficult to find, which is why you’ll want to work with a niche insurance company for policies.

About Grundy Car Insurance

Grundy Car Insurance has far more offerings than collector car insurance, as they also have personal insurance, homeowners insurance, special collections insurance, classic boat insurance, and more. They are an all-in-one solution for people who own items of high value that should be insured.

Even if you’re a business owner, you’ll be able to benefit from their assortment of car museum, custom car building, restoration shop, and classic car dealership insurance. As a division of Philadelphia Insurance that was founded in 1962, you can guarantee they have a strong financial foundation.

Based on A.M. Best, the parent company holds a rating of A++, and they are recognized as one of the 400 Best Big Companies in America by Forbes. This proves the company has not only financial strength but also a positive claims experience and favorable underwritings.

Grundy Car Insurance Coverage Options

The primary market for Grundy Car Insurance is customers who own vintage, classic, and collector vehicles and belongings. With that said, they won’t prove as useful for everyday drivers looking for insurance for their family vehicles.

In terms of coverage, Grundy Car Insurance has the following to offer:


Designed for protecting your vehicle against vandalism, weather events, and even animal damage, comprehensive coverage is highly recommended for classic and collector vehicles.


If you took your car for a ride during the summer and got in an accident, collision coverage helps to cover the costs of repairing or replacing your vehicle.


Most notably, the liability coverage for Grundy-insured vehicles has a maximum of $1,000,000. With this amount, you can guarantee your vehicle will be fully protected every step of the way.

Uninsured/Underinsured Motorist

In an accident with an underinsured or uninsured motorist, you’ll need this type of coverage to deal with the cost of repairs. This is also useful for hit-and-run situations, so you don’t have to pay out of pocket.

Personal Injury Protection

Depending on your state’s minimums, you’ll easily be able to get personal injury protection to cover additional medical expenses and other costs, such as lost wages.

Inflation Guard Value Protection

As an optional form of coverage, inflation guard coverage covers the costs of rebuilding your home or your vehicle. It will automatically increase over time to deal with disparities caused by inflation.


Some of the other optional types of coverage through Grundy Car Insurance include:

  • Spare Parts Inventory Coverage (Up to $500)
  • Trip Interruption (Up to $600)
  • Towing and Labor (Up to $250 per occurrence)
  • Auto New Vehicle Coverage
  • Auto Show Medical Reimbursement (Up to $5,000)

Benefits of Grundy Car Insurance Policies

With a specialty insurance company such as this, you can guarantee there will be an assortment of notable advantages. As a collector, you’ll benefit the most from the following:

Multiple Policy Options

Obviously, you need an insurance policy that is catered to your specific needs. Instead of settling for a one-size-fits-all approach, Grundy Car Insurance will create a custom insurance policy that covers all of your expensive assets. You’ll have the peace of mind you need whether your vehicles are stored or driven regularly.

Agreed Value Coverage

This is particularly important for collectors, as agreed value coverage makes sure you’re fully reimbursed in the event of an accident. You will be able to predetermine the cost of your vehicle, and this amount will be paid to you if your vehicle is declared a total loss.

No Limits on Mileage

Some collector vehicle insurance companies will put a stipulation in your contract pertaining to the number of miles on your vehicle and how it affects the cost of your policy. With Grundy Car Insurance, there aren’t any mileage restrictions to worry about.

Personal Repair Shop

Instead of working with an insurance company who has a list of preapproved body shops, you will have full control over where your vehicle is worked on after an accident. There aren’t any restrictions to specific mechanics, and you can opt to choose a body shop that you have used in the past and that you trust.

Affordable Policies

Although your collector car insurance is going to be substantially more than regular insurance, Grundy Car Insurance is known to have some of the most competitively priced policies on the market. They have offerings that are far beyond traditional and are tailored to your specific needs.

Cons of Grundy Car Insurance Policies

There are a few concerns to take note of with Grundy Car Insurance, including:

Vehicle Eligibility

Not every vehicle is possible to be covered through Grundy, as it will have to meet specific requirements. Your classic vehicle must be at least 25 years of age and fall within one of these categories:

  • Muscle Cars
  • Sports Cars
  • Convertibles
  • Station Wagons
  • Exotics
  • Custom Cars
  • Replicas
  • Street Rods
  • Kit Cars
  • Light Trucks
  • Vintage Motorcycles
  • Horseless Carriages
  • Steam Automobiles
  • Fire Engines

Driver Eligibility

As well as certain terms that need to be met when it comes to your vehicle, you will also have to be approved prior to obtaining insurance. Drivers who have more than two moving violations will not be accepted as a client.

In addition, you must have no DUI convictions in the previous three years and no more than one accident where you are found at fault.

No Installments

By far, the largest disadvantage to Grundy Car Insurance is that they do not allow installments or partial payments. When you sign up for a policy, you will be required to pay the full premium upon the date of signing. This can be inconvenient for collectors who may not have the liquidity to pay for their insurance in full.

Grundy Car Insurance Reviews: Final Thoughts

Overall, customers are impressed with the numerous amount of policy options available from the provider as well as their spectacular customer service.

Though there are strict eligibility requirements for both you and your vehicle(s), if you fall within the guidelines, you can finally have comprehensive insurance to protect your collector’s items. Overall, Grundy Car Insurance reviews are positive among eligible policyholders.

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