Not sure how it works down there, but up here in Alberta, you can get your vehicle appraised for replacement value, and most insurance companies will honour that value. Of course you have to pay a special premium for this coverage, but it's worth it. Back when I had my 92 rcsb stepside, my insurance broker actually told me to go get it appraised as they knew it was "modified". I came back with the $33000 appraisal (28g for the truck and 5g for the stereo) a couple weeks later, and my insurance went up $200/year but it was covered. Before that, if it was to get stolen, I would've been paid out around $9000 which is what a 92 truck was worth in 2005ish.