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Will, I'm not saying that is the case for every insurer. Thanks Ollie

Yes indeed, some however do not and I've seen many a finger burnt. Some will go with the cheapest possible price they find, be it a clasic car insurer or an insurer on a price comparison site, I'm constantly seeing people on our affiliated car club forums buying invalid insurance or poor cover, eg no commuting use, no DOC cover, high excesses, hidden clauses etc. It is worth checking and double checking what you are buying. The insurer mentioned here are a good company to be with, I just want to make that point as I am aware this could come across the wrong way Thanks Ollie

It all depends on your insurers really, some are better than others but without an agreed valuation you will receive market value. Like for like modification replacement is specific to modifications, eg if an aftermarket wheel is damaged in an accident, it is replaced on a like for like basis, it does not mean - the car gets stolen and you receive market value + the money you have spent on modifications. An agreed value is the best option but agreed valuations are a huge can of worms for insurers. I've dealt with them personally and they are a head ache to administer, the customer generally (no offence) over-values their vehicle, the issue with this, from an insurers perspective is if the vehicle is over valued, it's likely to be fraudulently claimed on. Ollie Sky Insurance Tel: 03303 331250 ---------- Post added at 12:44 PM ---------- Previous post was at 12:40 PM ---------- They will not be able to do this, you'll need an agreed valuation. With regards to money spent on modifications, I own a very highly modified, engine swapped car (Aw11 Mr2 with Ceclia GT4 engine). I've lost count of how much I've spent on the car, buying it, restoring it, maintaining it, and modifying it. I''ve easily spend over £12k. I value the car at £4k, this is the selling value (if I was lucky). That is how to value the car.

No problem, I was a little reluctant to answer as last time we posted up on this forum we were abused, and we were only posting up about a competition! Insurers will usually only repair a vehicle if the cost of the damage is no more than 60% of the vehicles value. The write off threshold is usually 60%. Thanks Ollie

You need an agreed value policy, like for like modification cover will only go up to the value write off threshold, which if 'book' value isn't going to get you very far at all. We find, the only accurate way to value a car is how much it would sell for, in today's selling market, to a like minded car enthusiast, including any modifications, of course that in itself is a grey area but food for thought. Ollie Sky Insurance Tel: 03303 331250

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Go through your own insurance company, they should see you right. You do not have to deal with the accident management company or the third part's insurers. Another option is to get an increased payout figure but also retain salvage, repair and put it back on the road. You're in a fairly strong position as it is a non-fault claim. Stick with it. I am happy to offer advice if you PM me Thanks