I dno Shannon's would only insure mums r8 clubsport vx as a factory manual with all options for 17 when Suncorp took over. She had it for 22 or 25 before. They told her this time last year that the car wasn't worth more then that and didn't want to go a higher agreed.
She had a smack in December and told her we'll give 17k and keep the car or 10k and you can keep it and pay for it to be repaired. The scrap value was too high to repair it. Funny how it was worth 7 with a smashed front end but wouldn't go over 17 mint.
I'm having to pay huge monthlies and took me arguing with two people to get my CBR 900 insured for 10. As o said to them insurance is supposed to replace what you have. Show me a 92-96 HRC trip colour CBR 900 that's never been dropped , re painted , stickered and has every date matching plastic front to rear for less and I'll own 3 of them.
Insurance value is hard to gauge by. Dad's Mustangs insured for just under 100 but we think it's only a 75-80k car.