I have agreed value classic car insurance, as there's no way I'm having them giving me a fraction of what its worth/the money what an average mk.2 Golf GTI 16V is worth if something happened to it such as this! Ones in this condition are quite in demand and go for a fair bit-just look on the website/forum called Pistonheads. There's well over £3k worth with just the interior, wheels & audio stuff and I could easily get £4k if I sold all the parts from it, as there's a lot of rare/sought after bits too.