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Do you have any suggestions for obtaining a classic car insurance policy with an agreed value?
Do you have any suggestions for obtaining an insurance policy with an agreed value of £8000 for a 1999 Saab 9-3 Viggen? It has done 81,000 miles, is completely unmodified and hasn't been used for track racing.
Asked on 12 November 2018 by DAVID HAYWARD
Answered by
Honest John
You will struggle. I do agreed valuation engineer reports to assist people with agreed valuation insurance policies and your car is not worth £8000. As an engineer, I have to substantiate the value I place on the vehicle, so the insurer can then be confident they are correctly indemnifying. If a car is overvalued, they see it as a "moral risk" because they may end up paying out more than the car is worth. This is called "unjust enrichment". Contact the Saab owners club (www.saabclub.co.uk) and also try It's Classic Car Insurance (www.itsclassiccarinsurance.co.uk/?referrer=HonJohn...c). I would suggest valuing it around the £6000 - £6500 mark.
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