I'm afrer a bit of advice if anyone out there can help me. I bought a new S3 last June 09 for £25,800 ( i got a 10% discount) It was stolen in July 10 with approx 7k miles on the clock. I have an insurance policy with 1st Direct and a GAP policy with Surf & Protect. I thought i would be entitled to what i paid for the car from the 2 insurance companies, however, 1st direct have offered me £23,300 (even though an 09 plate are still between £24.5 and £25k) which i haven't accepted. I told the GAP people and they said they go on the Glass's guide and the car was worth £26.5k when stolen so if i accepted 1st direct's offer, they wouldn't pay any money out. I have forwarded the Glass's info to 1st direct. What are the chances of them upping their offer and if i'm still not happy what can i do about it? And is there any other advice anyine can offer me?