Though.. lets use a skolem:

fact1-  i:myCar rdf:type c:HondaCivic .
fact2-  c:HondaCivic rdfs:subClassOf c:PassengerVehicle .
fact3-  c:PassengerVehicle rdfs:subClassOf c:ThingThatCanBeInsured .
rule1-  (forall ?i ?c ?se  { ?c rdfs:subClassOf ?sc.  ?i rdf:type ?c . }) ->  (exists ?r { ?r rdfs:subProperty rdf:type }-> {?i ?r ?sc. }).
rule2-  (forall ?c ?sc  { ?c rdfs:subClassOf ?sc. }->   (exists ?r { ?c rdfs:subClassOf ?sc. ?sc rdfs:subClassOf ?ssc.} -> { ?c ?r ?ssc.  ?r rdfs:subProperty  rdfs:subClassOf}))

result1>   ?WHAT = c:PassengerVehicle,

   proof>
      rule1-             (forall ?i ?c ?se  { ?c rdfs:subClassOf ?sc.  ?i rdf:type ?c . }) ->  (exists ?r { ?r rdfs:subProperty rdf:type }-> {?i ?r ?sc. }).
      fact1-              i:myCar rdf:type c:HondaCivic .
      fact2-              c:HondaCivic rdfs:subClassOf c:PassengerVehicle .
      ded1-               { _:R+ rdfs:subProperty rdf:type }  -> {i:myCar _:R+ c:PassengerVehicle . }).
      ded2-               { _:R_{i:myCar rdf:type c:HondaCivic, c:HondaCivic rdfs:subClassOf c:PassengerVehicle} rdfs:subProperty rdf:type }
      ded3-               { i:myCar  _:R+{i:myCar rdf:type c:HondaCivic, c:HondaCivic rdfs:subClassOf c:PassengerVehicle}  c:PassengerVehicle  }
      ded4-            -> i:myCar _:R+ c:PassengerVehicle


result2>    ?WHAT = c:ThingThatCanBeInsured,

   proof>
      rule1-             (forall ?i ?c ?se  { ?c rdfs:subClassOf ?sc.  ?i rdf:type ?c . }) ->  (exists ?r { ?r rdfs:subProperty rdf:type }-> {?i ?r ?sc. }).
      fact1-              i:myCar rdf:type c:HondaCivic .
      fact2-              c:HondaCivic rdfs:subClassOf c:PassengerVehicle .
      ded1-               { _:R+ rdfs:subProperty rdf:type }  -> {i:myCar _:R+ c:ThingThatCanBeInsured }).
      ded2-               { _:R+{i:myCar rdf:type c:HondaCivic, c:HondaCivic rdfs:subClassOf c:PassengerVehicle, c:PassengerVehicle rdfs:subClassOf  c:ThingThatCanBeInsured} rdfs:subProperty rdf:type }
      ded3-            -> { i:myCar  _:R+{i:myCar rdf:type c:HondaCivic, c:HondaCivic rdfs:subClassOf c:PassengerVehicle, c:PassengerVehicle rdfs:subClassOf  c:ThingThatCanBeInsured}  c:ThingThatCanBeInsured  }
      ded4-            -> i:myCar _:R+ c:ThingThatCanBeInsured