Thanks a lot for that! I've contacted Tim.
Insurer has said in writing that their valuation is Glass' 'Retail'. It's so low however, I just struggle to believe it. I did manage to find a CAP 'trade' value (although can't get CAP 'Retail' irritatingly!), which is only just slightly below their value. I think they might be using Glass' 'Trade' value, which obviously is considerably lower than Retail.
I asked them for a scan/screenshot/link to the valuation, and surprise surprise, as yet I haven't received it...
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