Doing "happier journeying" means less stress, less road-rage?
Doing more miles, means greater practice, more experience, "keeping one's hand in"?
Both to me should mean lower risk and lower premiums?
Does the valuation cover the cost of replacing the car, like for like? That is, can you find a vehicle advertised for sale at that valuation? That surely has to be the 'acid' test of market value?
This is exactly why one books these things, to get a first hand view of the car. Even from brochures it can be difficult to appreciate the details.
You won't need to be checking out the headlight performance then!
Hope you find the right car for your needs 👍