Yeah, I'm finding a lot of the Agreed Value policies don't allow you to use the car as a daily driver. Seems odd to me because a)why would they truly care? and b) the value of this car would be less than a new BMW or even an off-lease one. I guess it avoids people who run scams.
It depends on the use case. Up to 5K miles a year, for instance, is considered by many insurance companies as leisurely usage of a vehicle.
Some national averages to back that up:
https://www.autogravity.com/autogravitas/money/whats-average-miles-driven-per-year-car-lease-guide
Hagerty stipulates "occasional pleasure driving" as part of their acceptance criteria, but this also becomes a gray area. For starters, they have to...otherwise a majority of their client base will cancel their policies. Since we are talking about an enthusiast community and their vehicles, I'm sure there also is a bit of an honor system in play with reasonable flexibility. If you call them and talk to them, the people on the line seem very decent and some are even big gearheads themselves...the polar opposite from the abysmal and idiotic people I routinely encounter when dealing with conventional insurance companies.
Case in point, a vehicle I have insured by them is driven only in nice weather and stored in the winter. I have other vehicles as DDs under a personal insurance policy and even have a commercial insurance policy for business vehicles. Easy scenario to show that I'm not trying to abuse them.
I still drive 15-20K miles a year, but the difference today is that this usage is spread across several vehicles (and sometimes via rentals). Say I were to ramp up to heavy driving to client sites again and went back to 25-30K miles a year on a single vehicle, I'd probably buy something new, low-maintenance and inexpensive and toss it on a standard policy.
In terms of miles driven per year and commuting, what's your use case here, George?