Affordable agreed value car insurance
Owning a car that you really care about makes it all the more important to get proper compensation when you need to make a claim. Our agreed value car insurance is a great way of helping to ensure this happens, and is usually a lot cheaper than GAP insurance sold when buying a car on finance.
We offer guaranteed value car insurance for a wide range of vehicles, from classics and performance cars to modified cars and imports. Phone us now for a quote.
Get a Agreed Value Car Insurance Quote
What is agreed value car insurance?
Agreed value cover is when your insurer and yourself come to an agreement on the proper value of your car. It provides you with the difference between the total loss payment you receive upon writing off your car and the agreed value.
This valuation is guaranteed and will be paid to you in the event of your car being totalled – minus the voluntary excess and any other costs in your contract. This makes it more likely that you’ll have the funds to replace your cherished car with a similar model.
How does agreed value car insurance work?
Simply give us a call and tell us that you’d like an agreed value quote for your car. We’ll need some information from you, including the car’s make and model, plus pictures of the car in its current condition. Take a look at our guide to find out what the images should show.
We’ll then consult with our underwriters about a suitable agreed value quote, and will get back to you on how much this would be.
Once set up, you can start driving with insurance cover straight away!
Over 82.4% of customers who got an online quote could have saved money if they’d called us instead.
Which cars are covered?
- American
- Classics
- Modern Classics
- Modified Cars
- Kit Cars
- Performance Cars
- Motorhomes
The only type of car we’re unlikely to be able to insure on an agreed value policy is an unmodified vehicle that’s less than one year old. Not sure if your vehicle qualifies? Give us a call and we’d be happy to help.
Why should I get agreed value car insurance?
Our agreed value insurance schemes offer a wide range of features and benefits, including:
Free legal expenses cover
Our policies include up to £100,000 of free legal expenses cover
Tailored policies
Expert staff offer tailored policies
Is agreed value the same as replacement cost?
Not always, especially if you’ve modded your car. However, it is fairer compared to the actual cash value (ACV) provided by most traditional insurance companies.
ACV is the replacement cost minus the depreciation value. In a lot of cases, this won’t even cover the costs of repairs let alone the amount of money and time involved with modifying or working on your vehicle. Whilst guaranteed valuations don’t always match this either, they are often closer to the original value of the car.
What is the difference between agreed value and stated amount?
Stated value is the amount you’ve stated your vehicle is worth when you first take out a policy. Where it differs from agreed value car insurance is that the insurer can pay either the stated value or the actual cash value (ACV) – whichever is cheaper for them.
As a result, if you have a classic car or another cherished vehicle, guaranteed insurance is probably the best way of covering its value. Adrian Flux was created from one man’s passion for unique and “uninsurable” cars, and we’ve been sticking to this core value ever since.
Get a Agreed Value Car Insurance Quote
Guidance and features from our experts
Other reasons to choose Adrian Flux include:
Never speak to a call centre overseas; all our insurance experts are based in the UK.
Get exclusive deals through Adrian Flux that you can’t find with any other broker.
No complex systems; simply speak to a member of staff, who’ll do all the legwork for you.
Our experienced sales team are knowledgeable in specialist insurance areas.