Car insurance headaches, Coverage for the classics . . . with no DD Options

[type11969]

Hey, got an issue. Recently moved, trying to sort out car insurance. A few caveats. I no longer have a car that is newer than 15 years old because I have plenty of other cars in fine working condition, and because I basically don't need a car to get around. I bike/take mass transit to get to work and I live with my girlfriend who has a new car that we can take on trips if we don't want to take the Westy. So, I recently was trying to get an agreed value policy for my cars, but everyone I tried (Hagerty, Leland West, etc) had a requirement that I needed to own a car that was 15 years or newer in conjunction with the cars I was trying to insure through them . . . even if I compromised and left the Westy on a standard policy, they still wouldn't do it. The reason, the Westy is so close in age to my 914 and Beetle, and therefore just as unreliable, that I would undoubtedly use the 914 and Beetle as a back up to the Westy. They had no interest in the fact that I basically don't drive anywhere and just keep these cars for fun, and apparently my word is not good enough to convince them that I would stick to the policy requirements even if I had a breakdown.

So, does anyone have suggestions for car insurance for this apparently somewhat unusual situation? I'd love to be able to talk to a reasonable agent/underwriter that could tailor a policy a bit to suit, or that would actually trust that I would follow the requirements in the policy that I am signing. I know I could go the standard policy route, but I'd like to avoid it because of lack of value coverage, and because it is too expensive for how little I drive. Maybe my expectations are skewed. Anyway, any help would be greatly appreciated.

Thanks,

Chris