The value you get from your insurance company will be done to your ability to substantiate the claim. If you have receipts, photos, boxes, booklets etc you will be best placed for the claim. If you cant supply any of the above you could be looking at 30/40 % of the value. You will also have an excess ontop of that. Generally any claim over 1000 is worth while as the effect on premium will not be as great as what you get. You will lose your no claims bonus and it will take you 5 years to get it back to the same level but it will be decreasing every year so the effect is less as the years go by.