Insurance Hagerty/Grundy ??

If it gets stolen it better be from your locked garage, otherwise forget it. If you wreck it between the hours of 7 to 6 (when most are either commuting to work or going home) you'd better have a good story cooked up. Insurance companies ain't dumb, and have figured out most ways people try to cheat them. That's how they stay in business. They usually have no qualms about paying on a legit claim, but if it stinks even a little they will know.