Probably because spare parts are so expensive, eg windscreen (non-rain sensor) is around $1,400 fitted and I have claimed two! A new wheel rim, about the same! I shudder to think what a headlight assy might be. My insurance jumped $500 with AAMI when I upgraded from D2 to D3. I am now with Allianz, around $850, Upper North Shore, Sydney, market value.

