Insurance companies, especially classic ones, are very particular about where you park (store) the car. Not only do they often require secure, indoor parking, your premium is, in large part, calculated based on the location. Misrepresenting could be a way for the company to deny a claim. How can you tell them you store the car in a garage when you put a claim in for a tree branch falling on the car? Not only can they deny the claim you could be at risk for insurance fraud. This is like using the car to commute or putting on more mileage than allowed. You MUST get multiple quotes and select an insurance company that best suits your needs and follow the rules.