My car is a 2003 Renault Clio 1.2. I bought it new from the original owner in 2012 with 60,000 miles and full main dealer service history. It now has 110,000 miles, a new MoT and has been serviced yearly by a local garage. I just renewed the insurance too. However, the value of my car on the policy was stated as £150. Recently, my neighbour was paid £100 for a scrapper with no MoT. I queried this and was asked to provide adverts online showing how much a replacement would cost. The insurer has amended the value to £550, which was the lowest advert and lacks 12 months MoT and service history. I had to accept the policy as time had ran out on the old one. My question is how much would I get in the event of a write off? A replacement that is truly like-for-like from a dealer advert online is around £900.