Check your policies, particularly if you're with Swann.
The Mighty ST1300 has been insured at an agreed value for approx. 10 years, at least I thought it was. The exception being the current year, when it's now at market value. The change slipped through unnoticed and has occurred due to me allowing the old the policy be renewed automatically.
Allowing comes about because when the old policy is coming to and end, Swann sends an email advising that no action is needed from me, they renew the policy, keep deducting the monthly fee from my bank, I need to review the attached documents (policy, summary - includes monthly deduction, which had reduced since previous year).
Even at my age, I live & learn.