Re: "as Foxlink is insured [..] the blaze won't impact its bottom line"
What we're talking about here is a "current value" policy vs. a "replacement value" policy. In the US homes are usually insured for replacement value, but I don't know what the situation is in the UK. Cars, on the other hand, are usually insured for their current value unless you specifically negotiate a replacement value policy. Replacement value automotive policies are more common for things like RVs and collector cars.