Originally Posted by
martynhomer01
But what I'm saying is that u wouldn't get another in same condition and mileage for less than that, so by guaranteeing a value at least if anything happened I could afford another.
You are doing the right thing as you have to take into account where would you get another car the same as yours if it is stolen or written off and what would it cost if you had to get one and rebuild it up to the same standard.