Hi Clifford, the problem with Classic Cars above a certain value, is that they are technically impossible to write off, as the sum of the parts is a fraction of the value of the whole. If you insure your 428 for 50k you can afford to have a serious tree fall on it, and have everything fixed well within that value. If however someone spirits the whole thing to Outer Mongolia for a waiting Yak dealer, you have a problem, as finding a replacement for that price will be extremely difficult if not impossible. Playing safe, you have to insure for 150k. You pays your money and you takes your choice. Have you spoken to Brian Gilgart Smith who has helped out many ACOC members, as he understands that most of us are careful with our treasured cars. Adrian Flux is also really helpful, and both advertise in the ACtion Magazine. Andy.