I'm with HIC on the S2, got an agreed valuation. They basically told me if I was to sell the car what would i let it go for (I guess that's better than saying if I stacked it, what amount would I want ) Anyway as mentioned they will send out all the info, send them as many pics as poss, I sent them a whole CDR full And get some one friendly to sign the form as mentioned club official is good. I think it cost's and extra £15 to have the agreed valuation and it has to be renewed each year. Not many places do it which is one good thing about HIC.