Why this answer
What actually matters
- Request the report and valuation method.
- Use genuinely comparable age, specification, mileage and condition.
- Separate market value from replacement cost where the policy does.
- Challenge unsupported deductions individually.
Important nuance
When the statement may have a point
- A disagreement alone does not make the insurer’s valuation unreasonable.
- The policy may define the settlement basis in a particular way.
What you could say
Keep the response tied to the actual rule.
Evidence
What to have beside you
- Policy schedule, wording and pre-contract questions
- Claim form, chronology and supporting evidence
- Expert reports, valuations, photographs and repair estimates
- Insurer or broker final response
If they still refuse
Move the dispute forward.
- Ask the firm to identify the precise policy term, evidence and regulatory basis for its position.
- Challenge the reasoning and calculation separately where both coverage and amount are disputed.
- Escalate an eligible unresolved complaint to the Financial Ombudsman Service within the applicable time limit.
Read the full rules
Go deeper before escalating.
Official sources