I switched to Grundy from Haggerty 2 years ago. The same coverage for 1/2 the cost. Most of my club have it. It is restrictive and for collector cars only. The same as Haggerty. I have 2 collector cars insured, one for $35,000 and one for $15,000 and pay about $310 yearly for full coverage and no deductible. They have a nice website where you can apply.