Index: lcl/grids.pas
===================================================================
--- lcl/grids.pas	(revision 46593)
+++ lcl/grids.pas	(working copy)
@@ -5775,7 +5775,7 @@
 
 procedure TCustomGrid.DoOPInsertColRow(IsColumn: boolean; index: integer);
 var
-  NewCol,NewRow: Integer;
+  NewCol,NewRow,OldC: Integer;
 begin
   if Index<0 then
     Index:=0;
@@ -5785,17 +5785,34 @@
   if IsColumn then begin
     if Index>ColCount-1 then
       Index := ColCount-1;
+    if Index<0 then
+      Index := 0;
     if columns.Enabled then begin
-      Columns.InsertColumn(ColumnIndexFromGridColumn(index));
+      if Columns.Count > 0 then
+        Columns.InsertColumn(ColumnIndexFromGridColumn(index))
+      else
+        Columns.Add;
       ColRowInserted(true, index);
       exit;
     end else begin
-      FCols.Insert(Index, pointer(-1));
-      FGCache.AccumWidth.Insert(Index, nil);
+      if ColCount > 0 then begin
+        FCols.Insert(Index, pointer(-1));
+        FGCache.AccumWidth.Insert(Index, nil);
+      end else begin
+        OldC := RowCount; //Setting ColCount can set RowCount to 1 if RowCount = 0
+        ColCount := 1;
+        RowCount := OldC;
+        Index := 0;
+      end;
     end;
   end else begin
+    if RowCount > 0 then begin
     Frows.Insert(Index, pointer(-1));
     FGCache.AccumHeight.Insert(Index, nil);
+    end else begin
+      RowCount := 1;
+      Index := 0;
+    end;
   end;
   ColRowInserted(IsColumn, index);
   VisualChange;