Trip, I've been with Grundy over 10 years now with several different cars. I've only had one claim other than a few towing bills, and that was when I accidently broke the rear glass on the Firebird. They connected me with the folks they use for glass, Safelite, who told me they couldn't get that glass anymore, which we found out later was wrong, the guy who told me that was misinformed. Anyway, I got back ahold of Grundy and told them what he had told me, and asked if if I could just find a replacement hatch with a good glass would they cover it. They gave me the OK, I bought a whole parts car cheaper than just a hatch, put the hatch on myself and had a body shop paint the hatch to match. Grundy paid the shop bill and paid me direct for the hatch after I emailed them a copy of the bos on the parts car. I was very satisfied with how they handled it!
They're only requirements are a covered vehicle can't be a daily driver, you have to have a insured daily driver and the youngest driver can't be under 25 years old, I think you qualify! No limits on mileage or where you can go, either. We have the 47 and the Vette we just got both on a policy.