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Agreed Value Car Insurance

Whatever vehicle you drive, whether a carefully restored classic or a modern sports car, you want to be sure that you can claim its real current value should you get into an accident. Our agreed value car insurance is a great way of helping you get adequate compensation.

Existing customers please call:
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Rated Excellent
Rated ‘Excellent’ based on 22,366 reviews
Existing customers please call:

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.

Man wiping down red classic convertible on a summer's day with trees in the background
Man wiping down red classic convertible on a summer's day with trees in the background

Get a Agreed Value Car Insurance Quote

Modified car with low suspension on a cloudy day

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 79% of customers who got an online quote could have saved money if they’d called us instead.

Which cars are covered?

Agreed value car insurance is ideal for the following types of cars:

  • 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.

Classic 4x4 driving quickly down a road with trees in the background and grass in the foreground

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

Get a Agreed Value Car Insurance Quote

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.

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.

Call us now for a no-obligation agreed value quote on

Get a Agreed Value Car Insurance Quote

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Rated Excellent
Rated ‘Excellent’ based on 22,366 reviews
  • 5 star rating
    Landlord Insurance. I needed landlord insurance for a house which is divided into two flats with one tenant in each flat. I obtained a quotation from the previous insurer but because the cost was so high I decided to obtain a quotation from Adrian Flux who I had previously used for home insurance. I contacted them by ‘phone and, after answering all the necessary questions, I was given an instant verbal quotation. Shortly afterwards a detailed written quotation was received by email. The following day I ‘phoned again to amend some of my answers after which I accepted the quotation and paid the premium. The price was very reasonable and my revised policy documentation arrived promptly by email. The Adrian Flux staff to whom I spoke were patient and extremely helpful and the whole service was highly efficient. John Potter
  • 5 star rating
    Really excellent helpful friendly staff… Really excellent helpful friendly staff a pleasant experience 10/10 w j simpson
  • 5 star rating
    Very good service Very good service Leonida Netedu
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