As I understand it they will charge you the same to insure it but if you make a claim they will only pay you out scrap value alright if you intend to keep the car and run into the ground I found this out once when I went to look at a car private sale when I hpi it it came back as a total loss and only worth scrap money at the time they said about 450.00p not the 3000.00p he wanted the car looked great and full mot as well I stand to be corrected but that's what I was told
Regards Paul
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