We have a state owned insurance company (no competition) and they have a Collector insurance program. The rules are the vehicle must be 25 years old and in original, or restored to original condition. The insurance premiums are very good, about $200 per year. The vehicle must be pleasure use only.
They are very picky about the vehicle's condition. To get this insurance you must supply about 10 photos. If you fudge the photos and hide the blemishes and there is an accident, they will inspect your vehicle and void the insurance.
There is in my opinion a lot of leeway in the term original condition.
I had Collector insurance on my 49 until last year when I voluntarily removed it because my paint was faded and blemished in spots. Having done that I regularly see Collector cars that are recently insured and in poorer shape, including rust out, than my truck.
I should mention that there are also 'whistle blowers' who check these vehicles for authenticity and anonymously report them.
I think that for the $600 I am now paying, which is fairly high for the driving I do, is still better than having the hassles with the insurance company and those informers.
