Just to add my .02 cents, although this seems to be closed and satisfied, it all comes down to your policy. Agreed value vs other, fine print around mileage and use, etc. but I can tell you I have used both Grundy and Hagerty extensively for a lot of my classic cars and never had an issue. I had Hagerty on my 67 1600 back in 2007 and when I lost it in a fire, they paid out quickly with no questions asked. Full agreed value. Had it not been for that fire, I'd still have that ol' gal.
So no issues with Hagerty just for the record. As for the car, it lives on with Mike Pugh....