Just for info, they bounce back and forth between underwriting and subbing out.( Can't seem to make up their mind, but as they say they "do it as a courtesy to their members").
True, you never know necessary which way they are going currently, but when they are using a sub out, they bit the bullet for the charge in premiums ( instead of marking up and passing on) to be as competitive as they can be. And if a claim is needed, it is handled by them, not third partied. Overall, they have been hard to beat in price checking against others.
HOWEVER, for those that are interested, they DO NOT provide total lost replacement for your rig. (Oh, I retired from there in '99)
I was just personally more surprised by the new FMCA insurance much
higher quote as they are trying to get into the business, which in my case, not even completive.