i've been told by my insurance company that if my car isn't found they will pay out somewhere between "book" value and their insurance "cap" value. now what the hell is cap value when its at home? it was a silver octy vRS on 52 plate with cruise and a sunroof. it had done 37k with fSsh. i'm reckoning between

Suggest you ring a Broker & ask the question

I don't know if you have read this link which I posted for another member recently. It is worth knowing the line the Financial Ombudsman takes on vehicle valuation if you get into an argument with your insurer.

What you need to do is trawl the AutoTrader, Exchange and Mart and cut out ads that are very similar to yours. If they do not offer enough (minus your excess) then you can use them as evidence that they have undervalued your car. They should bump it up then. Don't forget that as with any business, they do not like to pay out more than they need to.

hi DGW

i read ur link, very interesting reading. parkers have valued the car at slightly more than i paid for it. hopefully i'll get clost to my money back less my excess of