Haha, always the case. I had to rebuild the back end of my van because the small spot of rust was inaccessible, but unless it was fixed I'd never pass MOT.
I've noticed something similar when looking at something more comfortable than Vanessa. A 2.5TD (BMW unit, if I recall the same one Jakg's Rover rocks) Vauxhall Omega, auto full spec would cost me £1,600 to insure. BMW 5 series with the same motor, auto full spec £1,500, yet a Range Rover with the exact same engine, auto full spec list would only cost ~£800 a year. So naturally I am going to pick up a P38.