So this thread made me a tad concerned about how we'd be able to replace the VF (not VF2) given it's got ~30k kms on it & an agreed value of ~$37k.
Was on the Shannons site to see what the agreed-value was, so sent them a question about whether I should & how to do so.
Young lady who called me just now asked what I thought it would be, I said there weren't many with low km's around & the ones I'd seen made me think I should maybe up the value to the mid 40's ... she said it was only going to increase the cost of insurance by ~$100 or so to put it to what she reckoned is a safe value of - $50k! We bought it new (well - a demo with 70km on the odo) for $54k 5.5yrs ago!
"Don't ever buy a new car", they said, "the depreciation is the killer", they said ...