Certainly the assumed risks are not always obvious. I'm retired but work occasionally in education. The quote for me as an education professional is quite a bit cheaper than as a retired education professional. I can only assume that retired people have more accidents. As I have a foot in both camps I took the cheaper option and insure it as a professional, with cover for my work. Ex AA Series III LWB Safari - Gone
300TDi Disco (bought new - terrible car) sent back after 18 months
Freelander 1 Estate - leased, given back at end of lease
200TDi Disco (bought from a mate with 100,000 on the clock) - Gone
Disco 2 TD5 - sold and exported to France
FR2 TD4 GS - Gone
FR2 SD4 HSE - Now changed for a DS
New model ex-demo Evoque S 180 in white
Unable to order a new DS, so gave up. Now have a Volvo S90 Recharge.