There's no reason why you shouldn't add on all the expenses you have incurred until the date of the claim. Also, check the claim fees because they are tiered. In other words there is a fee for £1000-£2000, £2000-£3000 – et cetera. (Those aren't the tiers but it is something like that). If you find that the purchase price plus all of your losses is towards the bottom of a tier then you could express your claim form as – £XXX purchase price plus £XXX losses incurred at date of claim plus contin