Classic Car Insurance Hagerty vs Grundy

It's the same here, Hagerty won't cover your classic if you can't prove you have a primary vehicle insured via normal vehicle policy. I have 3 cars insured for a total of $355,000 with Hagerty for $2200 Cdn a year. Adding the Dart, insured for an agreed $55K, only added $200 to what was previously a $2000/yr premium on an agreed $300K value.