i had a problem when some git stole my sunny zx 1.8 hatch, when i phoned them up they would only give me the market value for the car which was something stoopid like £400 minus my excess which was somethink stoopid like £150 which left me £250, i had a go at them saying like really youre only giving me £250 fro the car and they said if you could prove that our market value was wrong we would up the payout, i think i had to get at least 3 examples, same year same engine etc. etc. trouble is that sunny zxes dont come up that often so i got a bum deal on it
i would say you would get top wack £500 - excess