Hagerty insurance doesn't require linkage to any other coverage. I have my '53 Bel Air registered in TX as an antique, so the registration limits usage a bit, but Hagerty doesn't. I had a claim last year that ended up covering a complete refinish (hail damage), less a few things that I added. Hagerty recommended shops include higher end restoration specialists... They covered about $15k for the refinish (to factory paint code correct colors), using their pre-negotiated rates with the Hagerty-endorsed shop I chose, no questions asked. This car is a driver, not a show car. Couldn't be happier.
