Discovety Insure is trying to reap me off!!!

My Q5 was covered at retail value. In June the vehicle was ****** and discovery wants to compensate me a value which is not based on the fact that my vehicle was automatic, had a diesel engine and a sunroof etc. According to their agent Maureen, all vehicles are valued the same. Whether you have an automatic or manual they don't care, whether you have a diesel or petrol engine they don't care. We all know a diesel engine and automatic are more expensive than a manual car which has a petrol engine. When I insured my vehicle why didn't Discovery insure me based on the cheaper vehicles???? You guys are a reap off!!! Even a quick search on the retail value on the internet shows you are trying to undercut me by 60k!! We live in an era where people have access to such information at the click of the button. Please compensate me accordingly!!!