You're turning over possession of your car to someone else, and garaging it at their facility, and giving them permission to drive it. That's why it's not covered. No one else is covered to drive your car except you, and whichever resident relative you specify on the policy. Car has to be kept in a locked garage when not in use, which is something you can't ensure is the case if someone else has your car. Classic car policies are inexpensive in part because of the restrictions/exclusions. People should take the time to read their policies. I hear people say "What am I paying this money for insurance for?" The answer is the policy, yet few people read them. If you read it and need clarification, by all means call and ask.