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ask them. When I go on deployment USAA has a special ins. policy. It included theft, vandalism, etc. but nothing for driving. If you have it in a secure place, like your garage, they tend to offer pretty good programs. And they will have to cover it as if it were a whole car (in regards to your Q about the engine removed), but you still won't get what it's worth to you unless you have it assessed at that value by a third party (which will significantly increase your rates, as you now have a $40,000 car vs. $8,000 15y.o. beater. good luck, but again, I'd give USAA a call.
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