Welcome to the Club, Clive. I think the insurance people look at the average prices of similar cars on the open market. They appear to take no notice of things like the condition of the car, the fact that it might have new tyres on it, and other opinions on the value. I think you must write a letter to the company, but before you do look up the list of directors and address the letter to the Managing Director. When my x type was stolen, LV refused to pay as they felt that I was 100% at fault as I got out of the car to ask someone to move his car from across my driveway. His accomplice jumped into the car and drove it away. I told LV that I would have a quiet chat with their MD, and I got a 'phone call a couple of hours later to say that they were going to pay up. Not enough money, really, though. Good luck Peter.