Iam also with G&W.on an agreed value basis.
Last year, with my Morgan at 14 years old, I wondered whether it was worth continuing with agreed value, to save a few bob.
Putting this idea to G & W, I was advised to continue as it would-not make any difference at all to the premium!
I am no insurance expert, but I think the insurers’ main concern is injury to third parties in the event of an accident, claims for which will often far outstrip the cost of a car. Also postcode, which is used to identify areas of high claims due to theft.
