Collector Car Insurance

I have been searching for an "Agreed Value" policy that does not have the usage restrictions of all the Classic Car Insurance companies, so far I have not found one.

I have even approached them willing to pay a premium amount equal to what a new car of the same value would pay and still no deal. Something to do with the way they are licensed to underwrite policies.

So for me I go with a standard policy with liability coverage and no collision. I know folks say just tell them that if anything happens you were on your way to a show. But that is fraud and they could deny the even the liability coverage and that could be more financially devastating if some one was hurt than the loss of the car.