I wanted agreed value insurance for my car. I am with Adrian Flux, because they don't mind mods.
I said I wanted £5K and they asked for a full list of what I had spent on it plus 7 or 8 photographs. They came back and said £2.5K cheeky buggers.
I said I would get more than that anyway as just the average market value, so we reached a stalemate. They then said I would need it to be professionally valued to take it further. More cost so I said bollocks and cancelled the agreed value monthly add on payment.
If mine event got nicked, I've got receipts and photos for everything I've done, if the buggers didn't pay out THERE valuation I'd kick off for sure, with the work done its most probably worth more, but another one would give me something to do, lol
Not that impressed with Adrian Flux these days. I used them many years ago when they were just a small broker working out of a tiny office in the backstreets of Kings Lynn specialising in oddball stuff rather than a general broker working from a huge converted mansion that they have now. They used to be very good but not these days it appears. My daughter used them when she had a Mk1 MR2. 4 years ago she got her renewal and the premium had almost doubled so she phoned them. She pointed out that she had now reached the age of 25 so should no longer be loaded for being a young driver and had another years no claims so had expected it to go down. She was told that as the weather had been very bad that winter, lots of people had made claims so premiums had to go up to cover them. She asked if she'd made a claim and they confirmed she hadn't so she wanted to know why she was having to pay extra to cover the dickheads that couldn't drive in a bit of snow and ice. She went elsewhere.
More recently, last week in fact, I realised that if the paintsprayer gets his finger out and calls me to tell me when he can fit my P38 in for it's long overdue new coat, I'd find myself with no wheels. So, I dragged one of my other toys out from under it's cover. It's a 1991 Maserati Biturbo Spider that has been sitting under cover for the last 4 years but has been fired up every so often to make sure it still worked. Put a new battery on it and she fired up first time. Pulled all 4 brake calipers off and made sure they were moving freely and took it for an MoT. It passed with only a couple of slightly rusty rear brake pipes on advice. Figured insurance would be a good idea (my trade policy covers performance cars for trade purposes only) so did an online quote with Footman James for a 3,000 mile Classic Car policy with Dina as a named driver. £166 a year from them. Decided to give Adrian Flux a go but their website says that 75% of customers get a better deal by phoning rather than online so I phoned them. Gave them all the same details and they came back at £631!! The explanation was that although Dina has 24 years of accident, claim and conviction free driving and now has a UK driving licence too, she has only lived in the UK for 3 years. Without her as a named driver, just me on the policy, they still came out at £191. So I've got it covered for both of us, with exactly the same details and level of cover, with Footman James.