Be careful here. There are two terms you need to be aware of for insurance - declared value and agreed value. There is a huge difference between the two. You want an agreed value policy. This means that both you and the insurance company agree on the settlement price for the car. A declared value policy only covers replacement value, not the value you assign to the car. For example if you declare a value of $50,000 for your car and it is stolen, the insurance company does not give you $50,000. Instead they will give you another car of equal condition or the cash equivalent. Your premiums will be based on the $50,000 value however. As always, read the fine print and ask a lot of what-if questions of your agent. Mike -----Original Message----- From: Michael Pike [mailto:iqintermedia@xxxx] Sent: Tuesday, March 06, 2001 4:58 PM To: dmcnews@xxxxxxxxxxxxxxx Subject: Re: [DML] Insuring a Delorean? When you say full coverage, they will give you what they feel the car is worth... to insure a car as a classic, you must declare an amount for the car...