The driving at night is a new one on me! I've never heard that one. Most of the insurance companies I checked with just limited mileage, required indoor storage, and were for personal use only.
How in the heck do they expect you to enjoy the cruise nights etc?
Think, if it were me, I'd shop around for a different company.
I've personally got all of my vehicles covered through AllState. No restrictions what-so-ever. Full coverage for around $20 bucks a month each, and the ability to place them into or remove them from "storage" coverage at any time I desire.
