[johnd9]

Its probably a perception mostly of the quality involved. You and I know a kit build built by a really detail oriented person who takes a lot of care is probably alot better than many "factory builds" but the insurance companies, needing to just adopt a policy that will work across the board, have decided in some cases that they will simply not consider one that is an actual kit.

Just for comparision purposes I just looked at my certificate of origin for my car and it is listed as a 1999 Cobra Replica. My insurance though have listed it as a 1966 Cobra Replica. But on the phone, they made clear to me it could not be a true "kit" or the companies they represented would not insure it - period. They did no validation I am aware of whether I just told them it was a kit or a factory build, they took my word for it.

Incidentally my coverage is $405/yr with a 5,000 mile limit and I am 30.