Anyone thinking about agreed value insurance or infact any insurance please be aware of what I feel is an absolute con . I phoned Adrian Flux Insurance Services last week for a quote on my defender , I told them an approximate value on the vehicle etc , they came back to me with a figure of £245 for 12 months insurance agreed value , all I had to do was send 7 photo's of the condition and fill in a few forms , simple , after sending the documents last week , today they emailed me to tell me that their agreed value figure . The figure they quoted was far less than agreed over the phone and far less than one of their competitors have agreed on , they basically told me that they could not insure my vehicle unless I agreed to 25% less than its market value , I told them that Hagerty had agreed the full market value so no I will use your 14 day cooling off / cancellation period please , for this they charged me £72 !!!! so be warned , they agree to everything over the phone, can't insure you and then charge you for going elsewhere , absolute disgrace