Grundy vs Heacock Classic Insurance: Which Classic Car Policy Fits You?

The short answer

Grundy vs Heacock Classic: the quick verdict

Pick Grundy first if you drive often for pleasure. It advertises unlimited pleasure miles, allows occasional driving to work, and includes up to $600 of trip interruption coverage, 24/7 flatbed towing, and a deductible that drops 25% each claim-free year until it hits $0.

Pick Heacock Classic first if you want high included limits from day one: $2,000 of spare parts coverage, $200 per occurrence towing and labor with flatbed towing, no deductible in most cases, and liability paid once for a whole collection in most states.

Both are strong for hot rods and modified cars, so the final call often comes down to price and how many miles you plan to drive.

Side by side

Grundy vs Heacock Classic: side-by-side comparison

These details come from Grundy's and Heacock Classic's public program pages, Heacock's producer guide, and published reviews. Confirm your state's terms on the quote.

The comparison shows two programs with similar eligibility but different strengths. Grundy leans toward driving freedom, and Heacock leans toward generous included limits.

For hot rod and street rod owners, both names come up often. Grundy says it's the largest insurer of hot rods in the United States and covers modified vehicles with an understanding of their values, while Heacock covers muscle cars, hot rods, tributes, and replicas and reviews T-Bucket and Pro Street builds case by case. If your car has significant modifications, document every part and labor receipt so the agreed value reflects the build, not just the base car. Also compare what each program allows while the car is on a multi-day tour. Grundy says the car stays covered if you have to park it unprotected at a hotel, which matters if you drive to events far from home. Heacock's included $200 flatbed towing and roadside assistance help if a breakdown happens on the way.

Who qualifies

Driver, mileage, and garage rules compared

Heacock Classic's producer guide is specific. All drivers must be 25 or older, drivers under 25 are excluded, each driver needs a daily-use vehicle, and the applicant needs a personal auto policy in their name in the same state as the collector car. The car must be kept in a fully enclosed, locked, private garage and used for shows, hobby events, and occasional pleasure driving, not errands or backup transportation. Heacock offers an occasional commute endorsement.

Grundy says its policies allow unlimited mileage for pleasure driving, plus touring, parades, car shows, weekend cruising, dinners out, and occasional driving to work. The car must be kept in a secured, enclosed garage when not in use, but it stays covered if you have to park unprotected overnight on a tour. CNBC Select reports Grundy drivers must be at least 25.

MarketWatch lists Heacock's mileage allowance at 6,000 miles, while Grundy is listed as unlimited. If your annual driving is near or above 6,000 miles, Grundy is likely the better starting point. If you're unsure whether your storage qualifies, read our classic car insurance without a garage guide.

Coverage details

Value, parts, towing, and claims compared

Both programs pay an agreed value after a covered total loss. Grundy offers agreed value policies only, and its Collections Policy can pay up to 150% of agreed value when similar cars have sold for more, at no extra premium, unless the car was knowingly underinsured. Heacock sets the value with you, follows auctions and comparable cars, and lets you request a revaluation without an outside appraisal in most cases; appraisals may be requested above $50,000.

Heacock includes $2,000 for spare parts, $200 per occurrence for towing and labor with flatbed towing, roadside assistance, and coverage for a newly acquired vehicle up to $50,000 for 14 days. Grundy includes $750 for spare parts and specialty tools, 24/7 flatbed towing, and trip interruption up to $600 when a breakdown happens more than 50 miles from home.

Heacock says you pay for liability once no matter how many cars are in your collection, except for California residents with more than 15 cars. Grundy offers liability up to $1 million, with higher limits available, and a Motor Vehicle Program that can put every household vehicle on matching limits.

Both let you choose your repair shop. Heacock asks that the labor rate be comparable to other shops in your area.

Match the program to the car

Which program fits your car?

Use these scenarios to decide where to start.

• Long-distance touring: Grundy's unlimited pleasure miles and trip interruption coverage.
• Stored parts and a restoration stash: Heacock's $2,000 spare parts limit.
• Several cars in one garage: Heacock's one-time liability charge and Grundy's Collections Policy are both worth quoting.
• Occasional drives to work: Grundy allows it; Heacock offers an endorsement.
• Hot rod or modified car: both specialize here; compare values and exclusions.

Modifications change value and eligibility with both programs. See our modified classic car insurance guide before you set an agreed value.

Take the next step

How to compare quotes from both

We'll gather your car, driver, and garage details once and help you compare collector programs available in your state. Final eligibility and pricing come from each program's underwriters.

• Decide the value you want to insure and gather receipts, photos, or an appraisal that supports it.
• Write down how you really drive the car: miles per year, shows, tours, and any trips to work.
• Confirm where the car is parked overnight and whether that space is locked and enclosed.
• List every licensed driver in your household and the everyday vehicle each one drives.
• Ask each program to quote the same agreed value, liability limits, and deductible so the prices line up.
• Read the mileage, storage, and usage wording before you buy; those rules decide claims.

Our classic auto quote form takes a few minutes. We review your car, how you drive it, and where it's stored, then help you compare the collector car options available to you. Availability depends on underwriting and your state.

Common questions

Frequently asked questions

Keep researching

Related guides and official sources

These Blake Insurance Group guides cover related coverage questions.

We checked the rules on this page against these official and industry sources in September 2026:

• Grundy: Collector vehicle insurance program (external site)
• Grundy: Insurance 101 (external site)
• CNBC Select: Best classic car insurance companies of 2026 (external site)
• Heacock Classic: Collector car insurance (external site)
• Heacock Classic: About us (external site)
• Heacock Classic: Producer's guide (external site)
• MarketWatch Guides: Best classic and collector car insurance (external site)

Coverage disclosure: Blake Insurance Group LLC is an independent insurance agency. This page compares publicly available program information from each company's website and published reviews as of September 2026. Eligibility, mileage plans, agreed values, deductibles, included extras, and availability are set by each company and its underwriting insurers, vary by state, and can change. This page is general information, not a policy, a quote, or legal advice. Your policy documents control your coverage. Carrier and program names are trademarks of their owners and are used for identification only; this page is not operated by or affiliated with any company compared here.