The DSK values are for mint condition pieces which obviously most of us know but it gets frustrating when people think a rubbed and yellowed smurf should be the value it says in the DSK.

Are you saying my no legged one armed diver isn't worth 7 euro

oh the horror.. i'm so disapointed now.
I think the dsk value is off on many smurfs anyway, even if they where mint the price does not always seem acurate from what you can buy a smurf for. Then again it seems others items are underpriced in the dsk as it is outdated and some of the newer items seem to go for more than the book value.
I have no intention of listing my entire smurf collection for 5000 euro on ebay and expecting anyone to buy it, but I do think that it is a good number to give to the insurance company as a guide to a round about value of a collection.

lets' say I do insure it and heaven forbid something should happen I would hate the inurance company to try and figure out which one of my smurfs had a rub on the ear or had a little paint missing and therefor it would not be considered mint.. I guess that would go for anyone haveing homeowners insurance. I know if you fill out a claim you have to give them a value of the item that was lost or damaged.
gerda