Maybe it has to do with the uninsured drivers thing someone else mentioned?
Most small cars hitting one will probably do little if any damage to the Unimog
Also, with a top speed of 65 MPH, down hill...
Yeah I don’t know how they would figure it, unless the Unimog is fitted as an RV camping rig? Or they automatically consider them weekend camping rigs? Another factor might be mileage driven and usage. They know it is probably not going to be a daily commuter vehicle.
As far as damage goes that is why I drive older hard body vehicles. I would rather they crumple before I do. I like to have real metal fenders between them and me.
Know what? There might be one other factor. I hate it because it is a scam but they “cost share” with pricing in different zip code areas. If your particular make and model has been involved in a lot of accidents in your area code they charge more in that area code for that particular make and model. I’ll bet there are not a whole lot of Unimogs in your area to increase this number of accidents policy... :)