My Mk1 LCR was recently written off while parked. (Drunk driver, who was arrested; he was insured.) My 2003 LCR had a genuine FSH (a stamp for every year); 111k miles; one former keeper; OEM spec / no mods. And it was in very good / tidy condition inside and out, incl recent alloys refurb; calipers refurb (AMG heat-resistant paint), Goodyears all-round, etc, etc. My LCR's market value? Autotrader, Pistonheads, etc, showed similar Mk1 LCRs for sale from c. £4500 up to c. £6500. There were also some one-owner minters with sub-60k mileage, but non-FSH, at c. £7000. My LCR was insured for 'current market value'. So, I assumed I would receive and insurance payout of at least £4500. My insurer, Hastings, offered £1850 in full and final settlement. Huh?? I requested Hastings provide examples of 1 former keeper / pukka FSH / OEM-spec Mk 1 LCRs for sale at c. £1850 in evidence. Hastings presented ads for two cars. Both were dilapidated, shabby shitboxes - eg, 8 owners, incomplete / patchy SHs, 250k mileage and general signs of neglect, etc. I presented examples of several LCRs in similar condition / history to mine, all for sale at £4500 to £6500. So, you'd assume my factual evidence contradicted the theoretical estimate and I won - yes? No. The insurance companies are allowed to use Parkers, Glass's, Cap guides as the basis of their payout. And if the guides say a car is worth c. £1850, then that's what an insurer is allowed to adhere to. I then officially complained to the Financial Ombudsman Service (FOS). The FOS appointed a part-time ombudsman, who, by their own admission, knew nothing about cars in general. In turn, the ombudsman was clueless about how or why ‘one former owner’, 'full service history’ and ‘unmodified’ adds value. It turns out that the FOS merely refers to the same guides' theory-based estimate to determine value, not research what's actually on sale, and then see if the values correlate. Logic, anyone? I then appealed to the 'boss' ombudsman, who merely agreed with his inept colleague and referenced the same guides. My next available step is the small claims court. So, my advice to you if you own a half-decent MK1 LCR that would obviously sell for more than £1850? In the event of a non-fault write-off, make sure you have an 'agreed valuation' with you insurer. Don't assume that 'market value' actually means, umm, market value. And I strongly advise avoiding Hastings: as well as being manifestly unfair, Hastings is also alarmingly inefficient and ponderous.