I would say the BigLS insurance figures fo selling SFH are on the low side for an R44. If you want to sell 200+hrs a yea it will probably be through a flying school, so they will offer a low rate to try and make money from the deal when selling on, so you will give away most of your real operating profit in this exercise.
If you are paying £99K then it will not be a high spec machine and it will have limited time(ie well less than 12 years) left before a major cost, so you need to factor the depreciation into the financial calculation on this basis - either you are selling soon (having flown some hours) or you are riding all the way to a zero value airframe.
Selling time is also high risk. When DID that damage occur?