Well I have picked up a fully working set of tail lights for my 2004 patrol for a $150 yet when I one repaired they cost around $200. ea what a rip off no wonder insurance cost so much
I just got a minor caravan repair done. Couldn't believe what they charged the Insurance company. Couldn't bring myself to do what some suggested & put a tear in my awning to get it replaced too. As you mentioned .. It all adds to putting up the insurance premiums.
A replacement bull bar for the GU Patrol costs the insurance over $1700. Bit ove the top I thought.