[Aerkuld]

I ran into exactly the same problem with Leland which is partly why I ended up with the 996 as a daily driver - shortly before switching insurance coverage to Hagerty (still the 10 year rule though).
I agree with you, despite my previous daily (the 944) being 23 years old, if anything ever broke it was fixed within a day and I'd not use the 911 to drive to work.
I'd be interested in the reason behind it. Quite why they suppose a >10 year old car is more likely to brake down than a <10 year old car I have no idea. I can see that data might show that a high percentage of traffic accidents occur driving to or from work as this is what most people use their cars for, but when you are limited to 3k miles per year than I'd expect that to have an cancelling out effect.
Altogether the whole thing doesn't appear particularly logical, but I'm sure they have something to justify it.