Hmmmm, we have insurance here too that's exactly like that. I can't remember the exact name of the company, I think it's Sneed, Robinson, and Gerber...or something like that. You send pictures, insure it for an agreed value, but mileage is unlimited. They figure that we put alot of time into our vehicles, so we're more likely to be safe with them. It's a cool way to look at it. (and they don't know how "I" drive)