OK, here is my Hagerty policy. I left off the declarations page with my personal information, but there is no exclusions or definitions on it. Just my name and address, the insurance company name, and a list of my cars and the values and the policy limits. This is for Minnesota. It probably varies by state. It contains a very clear list of exclusions. Nowhere does it exclude coverage for a vehicle for sale, at repair shops, at an auction, or driving to work. Please search it for me, in case I'm missing something.