they have sent me a cheque stating final completion and I have not even agreed a settlement figure yet .......work that one out

Update

Cheers guys Thats what I thought. So offering a £**** based on what I paid for the car is not right?? I am going to send them a letter with my car price print outs . Do I mention that these prices are April 07 and out of date seeing my car was stolen in October 06 and therefore probably worth even more then. ECar is the insurer though I have only really dealt with The Claims Service. Oh and actually I had the second offer £5 lower than the first offer ......maybe a first.... Thx

OK I am new here so I am sorry if this is old ground but I couldnt find anything else to help. In October 2006 my car was stolen by the theives breaking in and stealing the keys.The car was 5 months old with 2500 miles. It took ages before the car was said to be a right off. I actually bought the car for a very good price i.e £10600 (3 days later the other cars on offer MGTF went up by £ 3000) and the insurance company are offering me 10225 as a settlement. I have looked at all the available garages online and locally to see the value of replacements and they tend to be at least 500- 2000 pounds more to replace like for like . My insurance or should i say the claims company have written to me saying the offer is based on the fact that I paid 10600 for the car ,yet my policy says market value and I am not sure the offer reflects this . Should I accept or refuse Oh by the way the second offer they made me was £5 less than the first .??? I hope you can offer some advise as this has dragged on for nearly six months now.