Adrian Flux - Worth it?

[Shady Pioneer]

I've got a fair few mods on my car, which I've declared to my current insurer Admiral, but they won't cover like for like sadly, only back to standard, so if my car needed repairing I'd be a bit buggered.


I'm looking to renew in August but getting various quotes now.


Bell/Admiral will insure me with mods declared (but not covered) for £560. Adrian Flux however will insure me for £750 with all mods declared and says they will cover like for like. So how true is this?


What if the car is written off? Or if I need to make a claim, will they actually give me the same stuff back?

[Wayne]

Yes Adrian Flux are ok, I was with them for 2 years on both my Vectra and the Golf had no issues and they do cover like for like with mods.

[Adam]

You can pay an extra £39.99 to replace like for like on Bell insurance.

[A7 UFO]

just do an 'agreed value' policy

[Shady Pioneer]

just do an 'agreed value' policy

What does that mean?

[A7 UFO]

when an insurance company pays out you only get the book/market value.  This does not take into account it's overall condition or any modifications.  If you have an agreed amount policy you list the modifications as per normal but you are always insured for a certain amount less your excess.

[Shady Pioneer]

when an insurance company pays out you only get the book/market value.  This does not take into account it's overall condition or any modifications.  If you have an agreed amount policy you list the modifications as per normal but you are always insured for a certain amount less your excess.

Cheers pal, well when I'm due to renew I will be doing some major checks as if I had to claim, I really don't wanna lose all the money I've put into this

[Wayne]

just do an 'agreed value' policy

I think you can only get that if the car being insured is a classic or very special to be honest.

[A7 UFO]

have done it on my last two cars

[boneybradley]

my gti is/was agreed value and all it took was 6 photo's and a list