I have a 2002 D22 Zd30 with 146,000 kms on it which has a 'market value' of $12k (I paid $13k with winch bar, winch, side rails, 3" lift, about a year ago). For me to buy another one similar and redo all the addons I'd be up for minimum $18k.
(All of the below insure off road)
-RACV flat out...