how do insurance companies value a car

How would an insurance company pay out for a standard car?

Basically i own a mint 1996 evo 4 that is 100% standard.
Was thinking if someone hit me how would they value it.  It has done a genuine 60,000 miles
And is modification free..  Only comes out whe its dry , is garaged ,
Every evo i see for sale has mods so how would they work out a true value

In the past I've sent pics of similar cars etc , but simply now there are none like mine
Not had an accident just curious

They either look in they black book or glass valuation book to get your car value if that fails they would look on the net on website like auto trader and see how much they are worth and how much you could buy another one for
My last car which was written off Subaru impreza p1 completely standard some one hit into it was written off about 2years ago they just looked on the net and paid me out accordance to how much I could get another for when I refused the offer saying mine is worth more than that as it was standard and more demand for standard than modified ones they said in the insurance eyes standard are worth less than modified ones and we're sticking to they offer
After another 2 months later of arguing and sending them ad's and info of other standard p1's for sale for more money they only offered me another. £100 and we're sticking to that eventually I just accepted as they were a waste of time

They did say something about if you think your car is worth more in the future you can take another insurance out which they pay the difference don't no how true this is as I never looked into it

That's shit ain't it...
Can't even get it on a classic yet as its not old enough yet

i'd get an agreed value policy on it. i have one on my mini which involved taking loads of photo's and showing receipts of service history any large amounts you've spent etc. you tell them what you think it's worth and if they agree they should cover it to that value. also got salvage retention included. think it was another £25 quid on top of policy to get a valuation of 9 grand on my mini

toaster55 wrote:i'd get an agreed value policy on it. i have one on my mini which involved taking loads of photo's and showing receipts of service history any large amounts you've spent etc. you tell them what you think it's worth and if they agree they should cover it to that value. also got salvage retention included. think it was another £25 quid on top of policy to get a valuation of 9 grand on my mini

What insurance is that with might try and get a fixed quote for my mk1 RS turbo

I do believe you can request for an asesor to come out and look at the car and agree a value  with you not sure if all companies do it ...

I'm with herts insurance for my mini.