I went to the garage at lunchtime and rescued the stereo :-) but thanks for the reminder – I would have forgotten if my dad hadn't mentioned it on the phone last night.

I checked with Parkers just now, actually, and they reckon it's actually worth less than Direct Line are offering. (In favour is a good service history and low mileage; against are some old scrapes from stationary objects that I never bothered to get fixed...) So I've probably done all right there.

Are you looking at replacement cost rather than resale value? The former is what you're entitled to, of course.