Talk to HiC, they may be a little more pricey on occasion, the average phone call is always 22 mins for me bizarrely, but they offer agreed valuation and don't require receipts. They didn't for me a year ago anyway, just want a list of mods, approx. price of each and that's it. I had to cancel my policy as I lost my NCB and fucked about by my previous insurer. Just coming up to 1NCB now so will be driving it again soon and will have to go through what you are, I reckon I'll just go with HiC though, they have always been brilliant for me in the past.