Re: Unicornpiss @GATTACA
Think of it as if you owned a nice, new, reliable, safe and secure family car, but when you went to insure it the car insurance company said it had to be insured as if it were a classic Ferrari because the law said they were not allowed to ask you about your car
When I insure the family car I insure it for ~$30,000-$50,000. When I insure the classic Ferrari I insure it for $300,000-$500,000. Based on classic car insurance I have it is actually cheaper per dollar insured to insure the classic car than the family car. This is because statistically the chance of having to pay out on the classic car insurance is lower than the family car.