Maybe it doesn’t matter - unless you have an agreed value policy, they should pay you the market value anyway in the event of a write off. However, I just got the renewal for my 2017 Arctic, so I had a look…
They had populated the current value as £10,000. I know that’s a bit low so I searched for offer prices. I found 5 for sale and to say I was shocked…a couple of years ago they were going for £13k-£14k with a trade in value of about £11k. I thought overpaid slightly for mine at £18.5k when it was 6 months old with 4,000 miles, on the basis that it was the car I wanted. Looks a bargain now, assuming they can get near the money they are asking.
9,400 miles - £18499
9,200 - £18700
6,300 - £18699
24,900 - £17700
35,000 - £17499
I won’t be selling - new ones have gone up a lot, which is no doubt part of the explanation, and mine is better anyway - 50Kg lighter (no i-ELOOP) and rust-protected.