That is not true, I have a policy like that for my show car and I can leave it unattended and drive it across the country to a car show and leave it in the hotel parking lot for 3 days if I want to. I do have to have at least one other car that is a daily driver and it does cost about $500 a year which is more than the standard collector/show car policies but I think it is worth it because I do drive it to shows that are far from home and last several days. The value on that policy is 40K for reference.