Not the question you asked, but your American Collectors premium sounds high.
I have two cars with American Collectors. My Duchess and a 1965 Plymouth. I pay about $200 per year for both!
Paul Mossberg
Former Owner of a 1981 Classic Roadsters Ltd. Duchess (VW)
2005 Intermeccanica Roadster
If you own a TDr and are not in the Registry, please go to https://tdreplica.com/forums/topic/mg-td-replica-registry/ and register (you need to copy and paste the link)