Sounds like not unlimited use, "for non everyday use".
I just got my Duster on a Hagerty policy, used to be on Nationwide and i'm so glad I switched. My dad bought my Duster for me 10 years ago for $3k and Nationwide wouldn't cover it for more unless I got an appraisal, receipts and records of all the work, yada yada. Since it's my first car and i've had it so long with obvious sentimental value Hagerty valued the car at $30,000!! I have full coverage with a 3000 mile/year limit, roadside assistance, 60 miles free flatbed towing and more for $750 a year. For minimum liability 'daily driver' coverage just to be legal in CO I was paying that much if not more through Nationwide.
My favorite part about Hagerty is if the car gets totaled they give you the money AND the car back, no questions asked! So if I do crash my Duster I can go buy and build a much nicer one lol. Not that mine is replaceable I pray that never happens.