The issue there is the regular insurance co is only going to pay out BB value at the time of claim in a total loss. I valued my Z way above that for replacement value (because it's still bad-ass), but they don't care because it's a crumpled mess now. How do you deal with that? I am willing to pay the premium to get that value as long as I know I'm not going to get screwed around when I unfortunately need to claim. This is supposedly why Grundy/Haggerty exist is to fill this void. It doesn't seem like they do as good a job.
Later
When was the last time you *really* did something with your Z to call yourself a Z enthusiast?