For insurance purposes, I believe that the value of a model railway layout should be the cost of paying someone to build a layout of equivalent standard from scratch, which will likely cost thousands of pounds.  However, despite many years of work on a 'layout of a lifetime', when we come to depart this earth, what is the layout that we leave behind worth?   I ask because, as secretary of my local model railway club, I have been asked whether the club would be interested in purchasing a layout