Yeah but what you describe is the general experience of insurance as a whole.
Market value is only useful for stockish common cars.
ie. my VX Executive may be worth $20,000 and every year it looses $1,000 for example.
So I may expect to get myself in a like example if it gets pinch.
But our cars are largely unique. If I got back $25,000 (which is what many 33's are nominally valued at) I doubt I can get everything back to where I was...
T.