Hi Phil
A very interesting subject. I must check our insurance company that covers Classic Vehicles. Having said that I am covered through my membership with the Royal Automobile Association ( RAA ) here in South Australia. The membership covers the driver of a vehicle, and not the vehicle. They also cover motel accommodation as well.
Do you have a similar roadside breakdown association in Canada and the USA you could use. I know the UK has a similar system. When we travel overseas and hire a vehicle overseas, I can use my RAA membership in the UK and Europe should I break down.
Cheers
Tony