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| Defendermatt Member Since: 15 Sep 2016 Location: Derbyshire Posts: 313   
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I am insured with Aplan, and have an agreed value on my policy. You will have to specifically request it, and it may also only be offered through their 'special branch'.
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16th Oct 2018 9:11am |
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| barbel jim Member Since: 12 Dec 2012 Location: Northants Posts: 1425 
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In my experience You always have to haggle regardless of who the underwriters are
 I never bother with the extras as they all vary in quality, and they arn't going to sell you something which could mean you'd profit from a total loss 
The Defender is becoming niche due to the end of production and prices are already off the book in many cases. Overvalue yours as they will never pay more than you state, and keep a photographic record showing the condition etc . Should you ever need it you can then prove what yours was like and keep refusing until they find a replacement  My understanding with mine is as its modified its a bespoke policy to that vehicle, not like the ones youd get from price comparison sites. They are aware of all the modifications, so the valuation of it is based on that, as is there premium. |
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16th Oct 2018 10:28am |
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| BobT Member Since: 13 Jan 2017 Location: North Yorkshire Posts: 110 
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I have an agreed value with A-plan for my 2015 110XS Utility.
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16th Oct 2018 10:35am |
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| bankz5152 Member Since: 02 Feb 2017 Location: South London/North Kent Posts: 2187 
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I did ask for agreed value but was near enough talked out of it, in place told to argue in order to get the full value. As in the event of a total loss they will only pay the agreed value and no more etc.. Instagram @defender_ventures
Empire Tuning - Agent |
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16th Oct 2018 11:32am |
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| Cupboard Member Since: 21 Mar 2014 Location: Suffolk Posts: 2971 
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I used to be insured with A Plan and the service I received was awful. Since moved to Adrian Flux and whilst they're not perfect they're a million times better and actually reply to emails which is a nice bonus.
It would have to be a pretty mammoth price difference for me to move back to A Plan (so much so that I don't even bother to ask them for a quote). |
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19th Oct 2018 7:27pm |
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| foggydave Member Since: 29 Nov 2012 Location: Midlands Posts: 263 
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I have been in touch with Adrian Flux who promise to beat a like for like quote. Adrian Flux offer an agreed value and as I said above Aplan offer a total write off value of 25% above what the insurers pay out which as seems to be the consensus of the above posts can be any amount they deem it to be.
So think I will be going with Adrian Flux with a fixed price and although not meeting the like for like criteria they have given me a considerable discount. Thank you all for the helpful input. |
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19th Oct 2018 7:51pm |
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| JOW240725 Member Since: 04 May 2015 Location: Suffolk Posts: 7907 
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I've had nothing but great service from A-Plan, currently have two Defenders insured with them and they're under half the premium of Flux and NFU. I discussed agreed values and decided not to state one. I was told the values would be agreed by a specialist car valuer, so should get the market value
 Hopefully, I'll never need to find out.
It was mentioned on a thread I believe, that a stated value could undervalue the vehicle especially with current values going through the roof? James MY2012 110 2.2TDCi XS SW Orkney Grey - http://www.defender2.net/forum/topic43410.html MY1990 110 200TDi SW beautifully faded Portofino Red - https://www.defender2.net/forum/post743641.html#743641 MY1984 90 V8 Slate Grey - https://www.defender2.net/forum/post744557.html#744557 Instagram @suffolk_rovers |
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19th Oct 2018 8:04pm |
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| A-Plan Insurance Site Sponsor Member Since: 30 Oct 2013 Location: United Kingdom Posts: 344
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Hello
So... the Total Loss Plus policy which is an extra that we offer to market value policies - it is 25% on top of the Market value pay-out (up to £10k extra) in the event of a total loss Ts & Cs apply. Agreed value policies cannot have Total loss plus - as an agreed valuation is a series of photos submitted to the insurer with the value figure you believe your car to be worth. The insurers will then look to agree the value to be that amount, this generally lasts for 2 years unless you change the value of the vehicle (new photos needed) however some insurers will vary. This is the value your car is agreed to be worth by both the insurer and yourself so that is the amount paid out in a claim - minus your excess if it is a fault claim. Not all policies are eligible for Agreed value as this is a service that is used for leisure vehicles, classic vehicles etc - low mileage so likely to retain the value that has been put in place. Vehicles doing a higher mileage are unlikely to hold value and are open to the eliments of all weathers, stone chips etc. so we do not offer for main use vehicles and other restrictions may apply such as parking locations. Hope this helps Carlie Howden Insurance - Specialist Vehicle Call us on 01635 874646 for a quotation |
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23rd Oct 2018 8:21am |
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