Agreed value on my Sr

[Edd]

Iv just picked up this Sr,

http://www.pistonheads.com/sales/1460697.htm

It is VERY VERY clean.

I want to get insured with a agreed value of £4000, imo it would irreplaceable if it would to be stolen, so i would want the FULL £4000 if it were.

What is the best company to go with for a agreed value ?

Bare in mind that i would want the full amount as i know people that have had agreed value and then the company only offers book price when the car was stolen, which on a 21 year old nova is not going to be much.

Thanks in advance Edd.

[skyinsurance]

so.. you bought a car for £2495 (ono I assume) and now you want to value it at £4000..

It looks mint.. looks great, looks like a fantastic purchase but why are you now valueing it at £4000?

[Edd]

so.. you bought a car for £2495 (ono I assume) and now you want to value it at £4000..

It looks mint.. looks great, looks like a fantastic purchase but why are you now valueing it at £4000?

because im intending on putting a Irmscher injection kit on it worth £150 and my Rotrex supercharger which was £1500. Plus a few extra bits probably worth another £100

Plus you are never going to buy a nova sr as clean and original as this so you cannot put a price on replacing it so if it were stolen thats what i would want back.

Can you help ?

[jakeufton]

are you going to agree value it at £4000, then it gets "stolen" then you get a £1500 profit, or would this not work?

[Edd]

are you going to agree value it at £4000, then it gets "stolen" then you get a £1500 profit, or would this not work?

what i am trying to say is that there is no way you could replace this car.

got it for £2400 plus what im putting on it makes it worth more than £4000.

not trying to make a 'profit'.

[Edd]

can anyone point me in the right direction ?

or do i not bother with the agreed value ?

[Jack]

Go for agreed value if you can get it, but I wouldn't hold out for £4k. Thats more of a Sport valuation tbh.

Unfortunately just because you're adding on parts worth, say, £2k doesn't mean the car is worth £2k more.

[skyinsurance]

because im intending on putting a Irmscher injection kit on it worth £150 and my Rotrex supercharger which was £1500. Plus a few extra bits probably worth another £100

Plus you are never going to buy a nova sr as clean and original as this so you cannot put a price on replacing it so if it were stolen thats what i would want back.

Can you help ?

Ok.. the way to value a car is how much it would sell for, including modifications to a like minded car enthusiast. I wouldn't value it at what you spent on the car + mods.. I've spent £8k on my 1988 Mr2, I paid £3k for the car... I do not value it at £11k, I value it at £4500.

We can insure the car for you but I'm afraid we couldn't offer an agreed value. We would however fight your corner if there was a dispute over the value but we very, very rarely have to do this.

Fewer and fewer companies are offering these.

There is a lovely 50K SR on the very same page on pistonheads.

Thanks

Ollie
Sky Insurance

[Edd]

Ok.. the way to value a car is how much it would sell for, including modifications to a like minded car enthusiast. I wouldn't value it at what you spent on the car + mods.. I've spent £8k on my 1988 Mr2, I paid £3k for the car... I do not value it at £11k, I value it at £4500.

We can insure the car for you but I'm afraid we couldn't offer an agreed value. We would however fight your corner if there was a dispute over the value but we very, very rarely have to do this.

Fewer and fewer companies are offering these.

There is a lovely 50K SR on the very same page on pistonheads.

Thanks

Ollie
Sky Insurance
if it were stolen then what would you pay out ?

how much would you value it at then ?

i got it for £2400 but i think its worth more than that.

what im trying to get at is that this SR is NOT replaceable, never been welded, waxoyled from new full vauxhall service history etc.

the gray one on pistonheads has been welded in the boot, rusty door, dent in wing and this is what the seller told me.

[craig green]

so.. you bought a car for £2495 (ono I assume) and now you want to value it at £4000..



Err thats hardly a very professional reply on behalf of your company.......

Nothin but a load of dicks replying in here!
The car is nigh on irreplaceable & yet I dare say if anyone else was in the same boat, thety would want their investment protected.

[skyinsurance]

if it were stolen then what would you pay out ?

how much would you value it at then ?

i got it for £2400 but i think its worth more than that.

what im trying to get at is that this SR is NOT replaceable, never been welded, waxoyled from new full vauxhall service history etc.

the gray one on pistonheads has been welded in the boot, rusty door, dent in wing and this is what the seller told me.

Well as it stands, we (well our underwriter) would look at paying out what you paid for it. We could not give you an 'agreed' value unfortunately.

It's not down to me to value it, I was just picking up the price you paid for it and the proposed agred value price.

[skyinsurance]

Err thats hardly a very professional reply on behalf of your company.......



How so Craig?

Based on what was written, I stick by what I say.

[craig green]

So all the Sports out there that people may have bought for 50 quid to agrand or whatever a year or 2 ago, suddenly justify 6grand values...............

Edd should have kept his purchase to himself & asked on a proper car forum not infested with children.

[skyinsurance]

Edd should have kept his purchase to himself & asked on a proper car forum not infested with children.

I disagree, I think he has been given some pretty useful advice by a club admin and trader. I cannot see any childish /unprofessional comments anywhere; maybe it's just you Craig? :confused:

[vaughanmc]

I'm no expert either but I don't see that Nova being worth £4k any time soon either

Even with the stuff your going to do Edd, I see it being worth £3,000 - £3,500

£4k IMO is a bit over the top for it but if you hold out and get £4k agreed value then fair play :thumb:

[Edd]

what im trying to do is find a insurance company that if the worst comes and it gets stolen is going to return me the cash that its worth ie imo £4000, NOT some book price of £600.

Seen this happen to lots of people with clean examples of a different cars over the years.

so if the agreed value thing is a no, wheres best to look ?

Olly, (skyinsurance matey) can you give me a quote then saying i will get a certain amount back if its stolen or would your company go by book price ?


Think Craig was refering to the child on page one that was basically saying i wanted to get it stolen to make a £1500 profit.

[L14MNP]

If someone was selling a 'mint' SR for £4K I wonder how many would be quick to say it's overpriced?

Olly is correct. Value it as what similar examples are advertised for on the occasions they are for sale.

If you do manage to get an insurer to agree to a £4K valuation then surely the policy itself will be much more expensive that it needs to be?

[Simon 1867]

Personerly i would make sure it has a good security sytem fitted and is parked in a garage, not left any were dodgy... be senisble with it and you wont have the worry of it being stolen.
At the end of the day i know its very clean, it looks lovely in the pictures but its just a nova and thats how insurance companys will see it.

Good luck with your search.

[Edd]

Personerly i would make sure it has a good security sytem fitted and is parked in a garage, not left any were dodgy... be senisble with it and you wont have the worry of it being stolen.
At the end of the day i know its very clean, it looks lovely in the pictures but its just a nova and thats how insurance companys will see it.

Good luck with your search.

i live in a area with low crime, well secure garage etc. im thinking of a alarm system tbh.

[skyinsurance]

Olly, (skyinsurance matey) can you give me a quote then saying i will get a certain amount back if its stolen or would your company go by book price ?


We can give you a quote but we cannot guarantee anything about the value, if we could, that would be an agreed value (not being rude or childish!)

What I can say is that my company would fully support you to get the true value of the vehicle in the event of a claim if you felt it was was lower than the car was worth and had evidence to back it up. Due to the specialist companies we (Sky) deal with it is unlikely that you would be offered a low value on the car. We very rarely get involved in claims which shows our customers are happy with the payouts they get for their vehicles.

You may be able to find a company who can insure it on a classic policy with an agreed value but only if the car is standard (no mods).

Ollie
Sky Insurance

[Simon 1867]

i live in a area with low crime, well secure garage etc. im thinking of a alarm system tbh.

glad your going for an alarm system:thumb:

[blue_peg_16v]

insurance works on the basis of idemnity (no better or worse off) so i cant see how you can expect 4k with the mods id say 3k is fair

mine is with hic on a classic pol with all mods and i have an agreed value on it

[skyinsurance]

insurance works on the basis of idemnity (no better or worse off) so i cant see how you can expect 4k with the mods id say 3k is fair

yes, that is right.. in other words you cannot be seen to make a profit from an insurance company.

[Edd]

insurance works on the basis of idemnity (no better or worse off) so i cant see how you can expect 4k with the mods id say 3k is fair

ok maybe i was aiming a little high. 3k is about right on refection, still would leave me out of pocket tho.

i just dont want to end up paying for a policy that will return me 600 when its worth more than that.

[Lee H]

Adrian Flux have given me a very fair value on my Gsi turbo but it is less than half of what I have spent on it over the years.

Other insurers who gave me a competitive quote admitted the most I would likely see in the event of a claim was £4.5k as it's only a Nova which I don't think is very fair.

[Benn]

Ok.. the way to value a car is how much it would sell for, including modifications to a like minded car enthusiast. I wouldn't value it at what you spent on the car + mods.. I've spent £8k on my 1988 Mr2, I paid £3k for the car... I do not value it at £11k, I value it at £4500.

We can insure the car for you but I'm afraid we couldn't offer an agreed value. We would however fight your corner if there was a dispute over the value but we very, very rarely have to do this.

Fewer and fewer companies are offering these.

There is a lovely 50K SR on the very same page on pistonheads.

Thanks

Ollie
Sky Insurance


hahahaha sorry but what ever dude.

You should think about how much you've spend, how much time has gone in to the car, what it would cost to replace/re build. Yes it cant be 100% what you've spent, but it needs to reflect that.

That's how most people and Every insurance company that i've delt with work out prices.

Edd, Hic offer AV, that's who i'm with. Its very easy to set up and sort out with them.

[bmw156]

Olly (sky) what happened if jo bloogs phoned up and wanted to insure his beloved SR for an agreed value of 4k with out you knowing the buying price,

what if he had just bought it for 4k and wanted to insure it. would it be a different situation?
also what if he had a receipt of purchase and what if he didn't, would this affect it?

when the public fill in insurance quotes and it asks for the value, cant you bend the truth with what its worth.

also the 25k nova RWD dirty thing, what would the agreed value on that be?

[Edd]

Its quite obvious that the Sky matey aint got a clue imo.

Just think if you stumbled across a Nova that a old boy had from new, local to you, had say a 1.3 sr, he's had it from new, fsh, low millage kept in a garage it's MINT, he has no idea on the value so sells it to you for £300.

Its going to be BLANTANTLY worth more than that if you sold it on, does that meen you can only get a agreed value for £300 ?!!!! wtf !!!!

They rip you off with their Tv now they want to rip you off with car insuance lol

Also if i had not put the ad up showing the price and took my own pics how would Olly value it then ??????

I shall phone Hic might actually get some sense out of them.

[Joe Richardson]

let me know Edd if you get a 4k agreed value,beacuse if you do i will be on the phone to my insurence telling them the same about my sr :thumb: :d

[Edd]

let me know Edd if you get a 4k agreed value,beacuse if you do i will be on the phone to my insurence telling them the same about my sr :thumb: :d

will do Joe

[MattBrown]

I think what olly is saying is that his company don't do agreed value insurance.

Regardles of car, person etc!

My xe nova will have a 3k agreed value on it, but by the time it's totally finished I recon it will owe me £4k, and if I count my time at £10 an hour, say 250 hours build time, it's then £6500 it owes me, but it will never be worth that IMO!

Ohh, and I see it's tim jones brothers car, from up near me!

[Benn]

^ its not given out to anyone.

They look at what's been do and how well, the state of the car and everything.
Its got to be worth it for them to do it.

My first try with it they knocked me down 500notes, cause i didn't write out everything very well.

[mayhem]

far out of my box i know... but here you can have a expert look at youre car, go through every detail, and make a rapport with a valuation. you can send this to the insurance company, and get insured for the price the experts thinks it's worth.
afaik this doesnt go for daily car's, you get limited milage, but this kind of thing must be possible in the UK (although i find youre insurance system very, very weird)

[Joe Richardson]

will do Joe

:thumb:

[C2VXL]

I'd be interested to see the outcome of this. It's something i'd be intersted in once i've completed my car.

I wonder how people who own Escort Cosworths go about insuring an 'old escort' and get what they paid for it back.

Insurance has always been a grey area in my mind when it comes to non standard cars.

Hope you sort out insurance mate.

[bmw156]

far out of my box i know... but here you can have a expert look at youre car, go through every detail, and make a rapport with a valuation. you can send this to the insurance company, and get insured for the price the experts thinks it's worth.
afaik this doesnt go for daily car's, you get limited milage, but this kind of thing must be possible in the UK (although i find youre insurance system very, very weird)

this makes sense to me :d

[Joe Richardson]

I'd be interested to see the outcome of this. It's something i'd be intersted in once i've completed my car.

I wonder how people who own Escort Cosworths go about insuring an 'old escort' and get what they paid for it back.

Insurance has always been a grey area in my mind when it comes to non standard cars.

Hope you sort out insurance mate.

cosworths are in a differnt class matelol insurence people know what there worth and how there not the same as any pov spec escort !!!!

same as sierra cosworths !!!!

[Nick]

Car insurance is just confusing as hell. Full stop.

Sky insured my 16008v Nova for half the price HIC/FLUX would do, and also CHEAPER than my standard CAT 1 Alarmed XR2. It boggles my mind.

I've had a similar problem trying to get a 3k Agreed Value on my XR2, although the latest i've heard from the insurance company is that if i can provide examples of similar cars being sold in the region of £3000, then they will agree to do it - this seems like such a bad way of doing it. What's to stop me making a load of fake adverts on PH and how do they expect me to proove anything ?

[Benn]

I'd be interested to see the outcome of this. It's something i'd be intersted in once i've completed my car.

I wonder how people who own Escort Cosworths go about insuring an 'old escort' and get what they paid for it back.

Insurance has always been a grey area in my mind when it comes to non standard cars.

Hope you sort out insurance mate.

I bet most of them have it, some of the rebuilds the Ford boys do are proper nut and bolt jobbies.

[MK999]

I've had a similar problem trying to get a 3k Agreed Value on my XR2, although the latest i've heard from the insurance company is that if i can provide examples of similar cars being sold in the region of £3000, then they will agree to do it - this seems like such a bad way of doing it. What's to stop me making a load of fake adverts on PH and how do they expect me to proove anything ?

I do love the term "similar cars" too when it comes to modified, benns is a nova, lowered, engine change, respray... my red one had all of that, looks similar on paper, same value? I think not lol

[Riggy]

does looks to be a clean car , its not 100% mint , inner wing is goin to need work soon , but its still worth what you give for it , but its not worth 4k (yet anyway)

i have a 3k agreed value on mine and its been fully stripped painted and rebuilt (also never been welded and not a patch of rust at all) running coilovers big brakes fully mint interior etc , but i think that 3k is fair for that would'nt say it was worth anymore and i wouldnt pay anymore for it .

old cars are very hard to value as replacing/parts etc can vary so much or even not be availiable at all and things like cossie's and mk2 escorts etc have a proper following which also puts up the prices , nova dont really have this in as big of a way but its growing so i think the prices will keep goin up but it takes time and for the cars to become even more rare lol

[Jack]

Agreed valuation is a funny old thing, and just because Mr X has AV of, say £4k, doesn't mean that Mr Y should have the same amount, especially when you consider all our cars are different. Lots of factors come into it; purchase price, condition, sale value of equivalent cars etc.

[Ben]

TBH saying that you will never find another is a bit silly, the fact that you found this one disproves this point, there are other members out there with similar spec cars and condition.

[Edd]

TBH saying that you will never find another is a bit silly, the fact that you found this one disproves this point, there are other members out there with similar spec cars and condition.
Imo its not stupid at all.

Few bits added puts the value up straight away for one.
Minor few bits rust in the bay sorted and its perfect in every way.

There are similar ones on here true, how much would it take for them to sell tho ?

[Ben]

I guess it comes down to persoanl opinions and agree the car you bought is nice but i wouldnt shell that much cash out for that car, thats just me and tbh i think by modifying it will devalue it in the future.

[Edd]

I guess it comes down to persoanl opinions and agree the car you bought is nice but i wouldnt shell that much cash out for that car, thats just me and tbh i think by modifying it will devalue it in the future.

its not being overly modified, wheel change, front brakes, Rotrex charger, (which you wont notice as it very small) so will look standard. it just will every part restored therefore only increasing the value.

So are you saying that the car not worth the money then ?

[Ben]

not to me personally no, i have been half looking for an unmolested example for quite some time and bought and sold a few that were not quite right for me and i have bought better condition for less money and sold for less money than you paid. But as said im not bitching if you are happy (which you obviously are) with what you got for the money then thats all that matters.

[Edd]

no worries.

im pleased with the price, seen worse ones for more money.

im just trying to protect my investment thats why i put this thread up.

[Ben]

im pleased with the price, seen worse ones for more money.

Oh most definately!

[Benn]

I do love the term "similar cars" too when it comes to modified, benns is a nova, lowered, engine change, respray... my red one had all of that, looks similar on paper, same value? I think not lol

Try finding them for mine... Aamirs is close ish so i used his add.

[C2VXL]

I bet most of them have it, some of the rebuilds the Ford boys do are proper nut and bolt jobbies.

Maybe i'm wrong here but isn't there judges from the RS Owners club that value the cars?

Either way it's up to the insurance company what the car is worth. I had a quick squint on google - fair few companies do an 'agreed value' but looks like you fill in a form with all the modifications etc and they'll get back to you.

[Benn]

Dont know do they?

Most do that, you fill all the details in and send it off with photos and bits then a few days later they get back with a amount that are happy with.

[Jack]

Try finding them for mine... Aamirs is close ish so i used his add.
Not sure what I'm going to do come renewal. How many 2dr saloons with 3.0 V6s do you know of? :(

Not looking for silly big money, I value novas low anyway. But I don't quite think book value of £50 would cover it lol

[Benn]

lol this i the prob, you could look for other v6 nova's, but i cant think of many. You might just have to not show any.

A girl on the phone asked what i wanted AV for, i said well book price is like 400max for a nova.. Mine worth 5-6-7k+ She just said "oh"

[L14MNP]

OK, I have the Lolvo insured with Lancaster on a classic policy. I only have it's value down as £500 or something, 6K miles p/a and when I renewed they initially wanted me to take out agreed value cover, it was less than £30 extra iirc.

The point I'm making is, they offer it on anything it would seem as long as you have a classic policy. I declined it and asked on the phone what would have been required, they said just the usual half dozen pics of the cars current condition.

The reason I knocked it back is I don't really care about it tbh, plus I only pay £213 p/a as it is. lol

[skyinsurance]

Its quite obvious that the Sky matey aint got a clue imo.



Sorry but obviously I am going to disagree with you lol

Here is my pride and joy MR2.

http://i282.photobucket.com/albums/kk253/skyinsuranceollie/JAE2009002.jpg

As I have mentioned, I have spent a lot of money on the car , mods, restoration, maintenance etc.. the car is a summer/weekend toy, runs a reliable 260BHP+ bla bla bla.. the car is a one off, custom arches bodywork etc..

How do you value that? Do you value it at the £12k what I have spent? Well no! Do you value it at nearly what I have spent on it? Well no!

I value the car at the realistic selling price of £4500, perhaps I would struggle to get that!

Now, if I could value it at the £12k + on and agreed value policy, it could be very tempting to take said car to the local woods, set fire to it and then put an insurance claim in.

There in lies the problem, if insurance companies over-value cars, they leave themselves wide open to fraudulent claims.. Sky Insurance have had their fingers badly burned by this in the past.


I actually look at every agreed value application that comes into my office and have done so for a couple of years, I feel I am qualified to comment. My job is to act as a negotiator between the underwriter and the customer to try and find a happy medium for the car's value. Some people really take the mick, some people have it spot on, some people under value their cars.

Generally speaking, insurers will not over value cars. They will ask for certain evidence to be provided to support the car's value, if the evidence is not enough they will do their own research or will ask for the customer to provide more evidence, eg receipts, official owners club valuation, examples of similar cars for sale etc

Getting back to this Nova, I have not at anytime said it is not worth the figure the customer was asking for.. I simply picked up on the purchase and proposed agreed value price and questioned it.
The main reason I picked up on this is that if the OP was going to look for an agreed value, one of his strongest bits of evidence to provide to the insurer will be the purchase receipt. As the car has only just been bought it is highly likely the insurer will request this. No insurer would value a car at £4k when they see the purchase receipt of £2400.

I am sure there are some insurers out there who will over value cars.. I can only give you my experience on the subject.

Ollie
Sky Insurance

[skyinsurance]

Olly (sky) what happened if jo bloogs phoned up and wanted to insure his beloved SR for an agreed value of 4k with out you knowing the buying price,

what if he had just bought it for 4k and wanted to insure it. would it be a different situation?
also what if he had a receipt of purchase and what if he didn't, would this affect it?

when the public fill in insurance quotes and it asks for the value, cant you bend the truth with what its worth.

also the 25k nova RWD dirty thing, what would the agreed value on that be?

We'd look at each case on it's own merit. My (Sky Insurance's) part of the agreed value process is to act as a happy medium between the customer and the underwriter. If the underwriter thought the car was being over valued, the may ask for evidence of the high value to be provided.

[skyinsurance]

They rip you off with their Tv now they want to rip you off with car insuance lol



You're barking up the wrong tree with that one, we are a seperate company to Sky TV :thumb:

[L14MNP]

What you are saying makes total sense mate. The car has to be valued at what others like it are sold for.

This can be hard to do in some cases I would imagine, but in the case of this Nova it is so much easier.

The price Edd paid is about what it is worth (to some) £3k on a very good day IMO.

As said, mods, time spent on the car etc etc don't really come into it - not as if he's done a nut and bolt resto which would significantly increase the cars value.

[Jack]

lol this i the prob, you could look for other v6 nova's, but i cant think of many. You might just have to not show any.
I keep tabs on V6 Novas, so I'm aware of the selling price of them. However, they're all mostly 2.5's (which can be bought for pennies compared to the 3.0) and all hatchbacks - herein lies a difficulty, as some people value hatchbacks higher than saloons where as some others value saloons higher (like me :d). Where as someone like Edd could go out and buy another mint SR with his insurance payout if he so wished, I couldn't buy another 3.0V6 2dr saloon.

I think in my situation, it would be a case of I'd need to factor what the original build cost was against what it would cost to rebuild another one. The former being lower than the latter as I did get some bargains along the way.

[Bubba]

thats a rather tastey cheese wedge mr.

my cars valued at what i paid for it....£150

[Joe Richardson]

Maybe i'm wrong here but isn't there judges from the RS Owners club that value the cars?

Either way it's up to the insurance company what the car is worth. I had a quick squint on google - fair few companies do an 'agreed value' but looks like you fill in a form with all the modifications etc and they'll get back to you.

There is a registrar of every individual RS model in the rs owners club,and the person who is the registrar will view a car and give a sum of what they think it is worth then fills out a form that you can send to your insurence company :thumb:

[Benn]

I keep tabs on V6 Novas, so I'm aware of the selling price of them. However, they're all mostly 2.5's (which can be bought for pennies compared to the 3.0) and all hatchbacks - herein lies a difficulty, as some people value hatchbacks higher than saloons where as some others value saloons higher (like me :d). Where as someone like Edd could go out and buy another mint SR with his insurance payout if he so wished, I couldn't buy another 3.0V6 2dr saloon.

I think in my situation, it would be a case of I'd need to factor what the original build cost was against what it would cost to rebuild another one. The former being lower than the latter as I did get some bargains along the way.


Yes you'd have to use them as a close match. So they could see what the kinda car sells for. Finding any kind for sale ad thats almost the same spec for your own car is very hard.

[blue_peg_16v]

agreed show me one similar to mine, very difficult also all the hours spent on it, the engine conversion alone for a standard c20let at courtenay would of been 5k when they were doing them, but my agreed value isnt even that cost because insurance will only cover what you could expect to sell the car for which would leave me out of pocket

[Edd]

Phoned Hic,

Agreed value of £3500,
Limited millage of 3k,
Need to send photos for agreed value,
Will go up slightly when more modificatios/money spent is done/spent,
Fully comp,
Excess £100

£176 for the year, job done.

[Jack]

SCORE :d I'll have to ring them come renewal to see if they can give me a few grand on the Nova then!

[blue_peg_16v]

SCORE :d I'll have to ring them come renewal to see if they can give me a few grand on the Nova then!

jack they will do it on a classic pol if you can limit the millage, and even if you go over the limit your still insured its just the xs jumps a bit, but 5k is more than enough for mine up till the van blew up id used it 3 times this year lol

[Jack]

Aye, its on limited mileage now with Sky for a decent price, I suspect they'll offer me an AV come renewal.

[craig green]

Phoned Hic,

Agreed value of £3500,
Limited millage of 3k,
Need to send photos for agreed value,
Will go up slightly when more modificatios/money spent is done/spent,
Fully comp,
Excess £100

£176 for the year, job done.

Ideal mate. Now get her on axle stands & buff it from underneath up!

[SRimon]

Phoned Hic,

Agreed value of £3500,
Limited millage of 3k,
Need to send photos for agreed value,
Will go up slightly when more modificatios/money spent is done/spent,
Fully comp,
Excess £100

£176 for the year, job done.

Just done a quote with Flux for my SR:

A/V of £2000
Limited 3k
Can push value/premium with mods
Fully
Comp
Excess £100

£115 for the year, job done.

[craig green]

You need to update your sig Si. ;)

[dj_wudgey]

Iv just picked up this Sr,

http://www.pistonheads.com/sales/1460697.htm

It is VERY VERY clean.

I want to get insured with a agreed value of £4000, imo it would irreplaceable if it would to be stolen, so i would want the FULL £4000 if it were.

What is the best company to go with for a agreed value ?

Bare in mind that i would want the full amount as i know people that have had agreed value and then the company only offers book price when the car was stolen, which on a 21 year old nova is not going to be much.

Thanks in advance Edd.

that is mint that matey!! absolute minter!! you keeping it standard??? i hope so any way!! but yea my sr is valued at 3 grand it didnt cost me that but ive plunged allot into it so sod it i told them its worth that lol!!!!

but yea thats a stunning car that mate my pal had one that colour!! hope you keep her how she's suppost to be though when its that good off a example!!! nice find though!!!

[Spudly]

You have to actually send them off detailed pictures and a lot of info for an agreed valuation wudgey, just saying yeah its worth £3k wont do, they might put that on your forms but if it goes walkies they will only pay you current market price for it!

[dj_wudgey]

i did send them some pictures mate and copies off the recipts i have got for it not all is fitted to the car but i sent them off any way lol!!

but yea i didnt just tell them it was worth lol