Insurance agreed value

[Chicken Hawk]

Has anyone had issues with Adrian Flux insurance? When taking out the insurance I put forward a value of my TC of £15000, but they have now come back to me at £8000. Any advice on next steps would be greatly appreciated

[balmy]

Not in terms of agreed value but I left them as they where being difficult agreeing the second year with them so I went back to Lancaster. Agreed value with them is £15K for the TC and cheaper premium.

[lock1506]

I think all my Marinas are under insured, would they actually pay out that value in a total loss knowing you wouldn't be able to find a car as good as yours to replace it like for like or is it a price to rebuild another one? I haven't got any of mine covered for more than £2500.

[JubileeNut]

If agreed valuation is taken out and the car is lost beyond repair and no equal match can be found as a replacement then they pay the agreed value as this is a separate item on top of the standard insurance. No point having it if they don't pay out.
Also I had the same issue with Adrian flux, went to them as they were cheaper, went to get the agreed valuation and stated 15K they came back with 10K I canceled and went back to Lancaster who agreed the 15K. Adrian Flux are not good at Classic cars or may be Marinas. I do have my daily insured with them but they nearly lost that when I threatened to pull that insurance if they charged me for canceling the Marina one with in the 14 days as they said the agreed valuation was separate and not under their control. They tried it on for sure and as you end up taking out the insurance first and then get the agreed value sorted you end up loosing money even though you have insured under them for 2 or 3 days. They will end up taking money from you so I think it is a con what they do.