I insure with A plan ( see Carly on the A Plan thread on here ) - for about £50 you can get a total loss plus protection policy, which in the event of the car being written off will pay out an additional 25% of the claim on top - pretty sure A plan give you current open market rate rather than book value as well - I also increased the insurance cover by £3k to reflect how the prices are at the current level and it didn't cost me anymore - every 6 months I have a scout around what's for sale for my age of car and then print them out to keep just in case - then I have several decent examples of what my car would be worth to back me up if the worst was to happen. I even take out the total loss plus on my daily - an extra 25% makes a heck of a difference.