As I mentioned in the original hijack, I have a stated-value policy with Hagerty for my 1989 928GT. Their "restrictions" (mileage, use, etc) were the most lenient, but are not actually written into the policy, but are used to calculate the premium. If you have to make a claim while you are out driving, who is to say if you were out for a sporting morning drive or on your way to work?!
My coverage limitations during track events are spelled out in exquisite detail in the policy, though!