car insurance market values

Market value? Car insurance claim?
I have done a valuation online from What Car?, that gives the market value as £545 (dealer) and £395 (private).
There is a relative difference in price for the two, so how much is my insurance company likely to pay out, if the car is a write off?
My CD player was also stolen (with current market value of around £100). Will they pay out for this as well?
Most will go by market value.. however, the CD player will be considered part of the car and will not be covered separately.
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