It wasn't made clear at the start that I needed to provide valuations for 2 specified items until I was so far down the line I had to do it. The first item cost me £60 to value as it was over 3 years old. With the second as my purchase receipt was less than 3 years old but in a foreign currency. However because of currency and other changes the value at today's conversion rate was significantly below the current UK value which I had checked. They consistently argued that they could only value it at the purchase amount converted at the current rate and that if this was insufficient for them to source a replacement in the UK they would give me the cash which would put me in a 'no worse position' - which clearly it would. Only when referred as far as it would go internally (4 escalating call backs from them) did they recognize that this was a flaw in their system as they hadn't received a purchase receipt in foreign currency previously. After this they said they would amend their internal procedures and agreed to insure the item for the amount I had specified. All ended well but was a fair amount of hassle to get it resolved.