Race car insurance
Anytime you buy insurance, and there is something in the policy, you are not sure about, or you get an answer verbaly, ask for the answer in writing.
I had a 69 Polara "cruiser" insured with Hagerty. My wife had to use an electric wheelchair. The policy excluded towing a trailer. We had a small Harbor Frieght trailer to carry the wheelchair, rather then have a lift on the back of the car. I explained this to Hagerty, and stated it was actually safer to use the trailer, then have 300+lbs hanging on the back of the car. They called me back and said OK, we could use the trailer for the wheelchair. I asked if they would send me something in writing, and they did, as a rider to the policy.