I've only just read this topic, what a horrible experienece to go through. I hope the outcome is positive.
For reference I insure all of my cars with Richard Hoskins, this stipulates that I have salvage rights and an agreed value (+ full European breakdown recovery). All aspects of this cover have been tested by friends in the last few years, they have always paid up without any quibble whatsoever.
Hope this may be of use in the future to others.
Cheers
R