I can only emphasise the benefit of "agreed value" as "the worst" did happen to my Morgan! I danced around on a muddy road and hit an oak post at 40mph causing heart-rending damage (to the car). Whilst I am still sweating to hear whether they will repair (new chassis, both front wings, radiator, sump etc etc) or pay out in full, I am so thankful that, even if they do decide write it off, I will get what I paid for it 2 years ago. Any ordinary insurance policy would probably offer about 15-20% less.
