[jogi730]

Wow, that's some story.
I just checked and I was underwritten by Red Star though Adrian Flux.
I certainly didn't share your experience maybe because of the age and all the mods on my car, it's fairly obvious it would not be a daily driver.
I'm in a very difficult position though. As I always complain this time of year,finding a company to quote with AV declaring all the mods, Adrian Flux are the only company that delivers. Reis as recommended above did give me a quote. I have however been here before - I get a quote and then some MG specialist decides my car is only worth £15k.
I've had this car since 1997 and never made a claim on it. It's obvioiusly a keeper and at my age, I think it highly unlikely would run a scam of some sort.
All I am after is protecting my pride and joy and should the worse happen and my car is written off or has a fire, I want to be able to replace it. Isn't that what insurance is for?
That is why I am trying to find Agreed Value. I did phone Sky and a few others that offer this, but not on my car due to the power and mods.
I do know of someone that was with AF. They wrote his car off following being hit from the side by a third party. They offered him nowhere near the value. It was not until a couple of letters from his solicitors that they finally settled. So even when you do things with the best honest intentions, the insurers make it as difficult to get a pay out as possible. So what can one do?