The insurers do not seem to have changed much, still needing a chat, heaven knows why. On the matter of a guaranteed figure I am being asked to provide 6 photos which will be assessed, for this priveledge I am to be charged £24. This figure will be valid for 2 years. Does this sound reasonable? And by what do I inflate my desired figure by. I know she is worth around £15k so a guaranteed figure of say £17k. I have no idea having never had a guaranteed figure before.