It is that time of year again for me - insurance thoughts. I have used AIB for both of the years that I have had the car and paid £1250 and £1288 per year. However, we don't use the facility to drive other people's cars fully comp and the only other real benefits are agreed value and European car breakdown cover. AIB have just quoted me for this year with Dual again at £1288 again but with agreed value reduced to £56k from £60k last year.....they also quoted me for Markerstudy Insurance at £498!
How important is agreed value? How many of you have it? Is it worth £1k extra a year? Most importantly, in the case of a total loss what experiences have people had in getting a realistic value paid out. I am told that Markerstudy send a valuer to your house so you're not agreeing the value over the phone with a guy in Mumbai. I did enter my car's details into GoCompare.com and although I listed my valuation as £60k it said that my realistic value was £39k! If they can find any cars the same quality as mine for £39k I will buy them all! Thanks and sorry for the long post!
How important is agreed value? How many of you have it? Is it worth £1k extra a year? Most importantly, in the case of a total loss what experiences have people had in getting a realistic value paid out. I am told that Markerstudy send a valuer to your house so you're not agreeing the value over the phone with a guy in Mumbai. I did enter my car's details into GoCompare.com and although I listed my valuation as £60k it said that my realistic value was £39k! If they can find any cars the same quality as mine for £39k I will buy them all! Thanks and sorry for the long post!