The insurance for my 2 classic cars is due soon. I've always covered them on an agreed value basis but this year I'm wondering if it's worth doing. The extra premium is quite reasonable (£36) but it's a load of extra hassle, with forms to be completed and pictures sent + potentially a requirement for professional valuations.
Does anyone have experience of relying on market value in the event of a total loss claim? Did it result in a fair pay out or did you wish you'd had an agreed value in place?