[frankym]

Not sure it was mentioned yet, but so everyone's clear, there is a difference between agents and underwriters. Grundy Worldwide is an agent issuing policies for the principal CHUBB. Chubb ultimately is your carrier, so you might want to check with CHUBB directly about policy guidelines (but they'll tell you to contact the agent anyways), as some agents will make their own policies which may or may not be a part of the stated policy between you and the principal (Chubb). I took out my policy with Grundy about 2 years ago, since I've never had a claim, I really cannot determine at this point how good or bad they are. But it's clear as day that my insurance is with Chubb. Other providers such as State Farm have an exclusive agency network, i.e. you can't visit your local state farm agent and get an AllState policy. Grundy likely will issue one policy with a Chubb for Replicas and perhaps that of another for vintage classics. But if you're trying to get some feedback on which carrier or which agent, you should ask who has filed a claim with these parties. It is the handling of claims where the rubber meets the road. Making any determination of the provider on the basis of premium price and policy stipulations (which are vague at best on their face), is a really incomplete picture. I too would be curious as to how Grundy handles the claims, do they refer you to Chubb or try to disqualify claims on some bogus technicality etc. These are the questions you need to answer before you decide on an agent/carrier. Like most of you out there, I had some difficulty finding providers that cover the replicas, some will not accept any replica that was built outside of a factory setting, and this could come back to bite you if your definition of of professional construction/manufacturing differs from theirs. I believe Grundy, at the time, made a distinction between a kit and a replicar, but not sure of the specifics.