[shark]

You should go ahead and get that "motor vehicle" insured through your auto carrier. Your agent doesn't know what he's talking about or needs to get a better rapport with his underwriters. Tell your agent (who works off commission) that your alternative is to shop around with other agents and see who will write your home, boat, life insurance, auto etc..... I think he'll look a deeper into the subject for you. When you have a chance read the definition of a "motor vehicle" in your auto policy - I don't believe it mentions much about an engine needed to qualify as defined. What if you were working on your car in your garage and had the motor out during a fire event? Does it now not qualify for coverage - think not. Good luck - Sharkey