Worthers it is a bit odd at the moment.

The final run of the model and prices that Morgan are asking means there is a bit of a bump in the prices being asked out there. If you feel confident that this is going to stay in place it would seem good to go to a fair market value. As this rises you are protected.

However you might like to ask them what the specific policy offers you - do they supply a car, do they negotiate a price etc and what experience the broker has of them doing this.

If you want to stay with the valuation option then you do need an external proof which is normal for the policies of this type. Oakmere can provide a letter to support this.

In either case my experience (not on the Morgans thank heavens) both situations result in them wanting to negotiate. Given the small stock levels it is worth understanding if they can push you into a car they see as equivalent.

I would ask them to explain what the situation is on replacement as this can change with each policy.

Everyone loves a Morgan. Even me, unless it's broken again.