What kind of insurance coverage does everyone have?

I tried to get Hagerty in Canada but the prices weren't very good. I'm with competition insurance now. They seem ok but I've had no claims and that's usually were you have problems. They do insure modified cars and give 25,000 for 240 per year on my big block duster with 33 X 21.5 X 15 wheels on it. They also insured my 89 Shadow under special interest vehicle for 170 per year.
They do have some catch's. You have to have 10 years driving experience and have a insured daily driver.