Huh... did you call Hagerty directly? I got the 928 insured through them as a "stated value exotic" but it was not valued over $40k. They used "Cars that Matter" as a pricing guide (what an obnoxious name!) to confirm what I wanted to insure it for - and I never had to have it appraised separately. They just confirmed that what I wanted it covered for was within the range of "Cars that Matter".

I'd suggest calling them directly and seeing what you can work out...

Good luck!