It Might not be an insurance job. Just because to us it's a lovely motor that we'd all cherish doesn't mean the owner would. A lot of my customers would see that car like a pair of wellies. Proportionately to their income it's like us being precious about an old Renault 5 you left in the ditch after being flooded.
It might have been a daily or less than daily for some owner who could be assed with the hassle and had the "I'll get my son to sort it later" attitude
Just a different perspective