Hi Anthony, there seems to be a bit of confusion with your description of a 1996 "cabriolet" as the cabriolets went out of production in 1988. I hope that the link to this site will give you some insight and help you with your insurance problems.
Cheers
Martin
http://www.xclusively-jaguar.co.uk/xjsc01_index.html
Cheers
Martin
http://www.xclusively-jaguar.co.uk/xjsc01_index.html