I want to add that it's critical to leave the beater on the policy when you go back to the summer car. I just have mine on fire+theft, it costs peanuts and it allows me to force the insurance company to not be able to disavow the car, which has happened. I used to have an 86 535 for a beater and I had no problem flip-flopping which car was on the policy. Then one fine autumn day, I went to change them back and ING said that my car is too old for them. I said how was it not too old last winter but now is. They said sorry, it is what it is. After threatening to leave, they agreed to take it back with a safety certificate. After that was done, the dude on the phone told me next time, just keep it on fire and theft and change the coverage.