Insurance quandry

[suigeneris]

Really want a Scuderia. However, no "specialist" insurer (RKH, Locktons, Pace Ward, etc) will cover me currently due to a few claims in the last 3 years that arent quite far enough back yet, so I can only get high street insurance. I'll have to pay a much higher premium (which I accept), but the quandry is over the fact this wont have "agreed value" so worst case scenario, if I prang it and its not a write off I'd be tied to a non Ferrari approved repairer (Bob down the road with a body shop) and if its a write off wouldnt have an agreed value (although ironically this is less of a concern as these are edging up slightly in value so "market value" should be close to whatever I pay).

Quandry is, its a lot of money when its not on specialist agreed value insurance, so its gotten me looking at cars 1/2 the price like a good Gallardo Spyder, which I've had before and is a great car (certainly better than nothing for a year!!) and is within more of a comfort zone given this insurance, but its not nearly as special as a Scud. It may be false comfort given the value though and may even be safer with the Ferrari given values are increasing vs Gallardo's being flat.

Has anyone else found themselves in a similar position before? Should I not be concerned as (other than different levels of customer service and fact I'm paying a much higher premium for a year) insurance is insurance..?