[pidj]

Canada has the Hagerty-type offering but it's mileage restricted AND some messed up stipulation about having to be driving to a car show blah blah (if something happens - no joy riding) .... screw that. I just go with a big company and get a break for seasonal (reduced) mileage.

One observation is appraising your vehicle. If you appraise it, then it can be insured for the appraised value (obviously at a higher cost) but it stands to reason that less cars would be written off for dented fenders.