Also have a look at this :

Is Your Car Really Insured? a review of classic-car insurance

( partial copy / paste below. )
Bob W., a reader in Woodland Hills, California, wrote that he had called his classic car insurance company and asked if he would be covered if:

(1) He took an antique vehicle to a local restaurant for dinner.
(2) He drove to a local grocery store for a loaf of bread.
(3) Living in Los Angeles, he took a trip up the coast to San Francisco, staying in motels/hotels along the way.

He was told that he would not be covered in any of the above cases; which made me realize that I, too, use my antique cars for considerably more than just car shows and parades, and I wondered, “Am I covered?”