After some effort I have succeeded in getting my insurance company to repair my excellent condition 1998S SAAB 9000 CSE Automatic, which, as you’ll realise, was the last model year before the GM takeover. The main damage was to two doors, nothing structural, but the fate of the car hung in the balance since my insurer only valued it at £900. I would prefer to have a policy by which the insurer will pay up to a pre-agreed amount to repair accident damage, regardless of how caused, say £2,500. Do such policies exist under the heading ‘Classic Car Insurance’, and are they considerably more costly?