yes megger leads dont go from conductor end to end.One lead to conductor end ,the other to ground.I mentioned it as I know of no other test for insulation,rather than the look for sparks at night method.If the wires are in a metal conduit,say a steel loom on a flathead ford,you could ground the loom,and test loom to conductor,or to other coductors.The ones I have used go to 5k volts,so you wouldnt be able to get in the 10-20k range,but it may show breakdown on a bad wire.I have checked vintage cloth covered wires this way .You have to lay wire on metal bench or put in steel tube to test.
Temp and humididity also have an effect,and most car owners will and should just periodically replace wires.
In the vintage bike world there seems to a shift towards conservation where possible,rather than restoration,and people are using original wiring if possible.I havent seen much of this in the car world yet.
Have fun
Tom