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foggydave



Member Since: 29 Nov 2012
Location: Midlands
Posts: 263

United Kingdom 2014 Defender 110 Puma 2.2 USW Bonatti Grey
Aplan insurance Total Write Off Value
Hi
Insurance time has come around again for my 2014 110 Defender

At the moment I am insured with Adrian Flux on an agreed value policy which should pay out approximately 25% above book price. The valuation was done by Hartec UK Who are members of the Institute of Insurance Assessors.

I have a quote from Aplan which is approx half that of Adrian Flux. But Aplans cover is slightly different. Their quote is for a standard insurance with an additional Total Loss Protection Policy costing approx £50 extra. This policy guarantees to pay an extra 25% on top of the standard insurance payout. So this is not an agreed value policy. This means that if the standard payout is book price then the extra 25% will bring it up to its true value

Question
I have never had a total loss situation so my question is. Do any members have experience of total loss with Aplan, and did they pay out at book price or did you have to haggle?

Also does anyone know of an insurance company apart from Adrian Flux that will give an agreed value insurance?

Thanks
Post #734979 16th Oct 2018 9:03am
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Defendermatt



Member Since: 15 Sep 2016
Location: Derbyshire
Posts: 310

United Kingdom 1989 Defender 90 Other SW Bonatti Grey
I am insured with Aplan, and have an agreed value on my policy. You will have to specifically request it, and it may also only be offered through their 'special branch'.
Post #734980 16th Oct 2018 9:11am
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barbel jim



Member Since: 12 Dec 2012
Location: Northants
Posts: 1410

United Kingdom 2005 Defender 90 Td5 HT Tonga Green
In my experience You always have to haggle regardless of who the underwriters are Banging Head Banging Head I never bother with the extras as they all vary in quality, and they arn't going to sell you something which could mean you'd profit from a total loss Whistle
The Defender is becoming niche due to the end of production and prices are already off the book in many cases. Overvalue yours as they will never pay more than you state, and keep a photographic record showing the condition etc . Should you ever need it you can then prove what yours was like and keep refusing until they find a replacement Thumbs Up My understanding with mine is as its modified its a bespoke policy to that vehicle, not like the ones youd get from price comparison sites. They are aware of all the modifications, so the valuation of it is based on that, as is there premium.
Post #734999 16th Oct 2018 10:28am
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BobT



Member Since: 13 Jan 2017
Location: North Yorkshire
Posts: 110

United Kingdom 2015 Defender 110 Puma 2.2 USW Santorini Black
I have an agreed value with A-plan for my 2015 110XS Utility.
Post #735002 16th Oct 2018 10:35am
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bankz5152



Member Since: 02 Feb 2017
Location: South London/North Kent
Posts: 2049

2004 Defender 110 Td5 DCPU Epsom Green
I did ask for agreed value but was near enough talked out of it, in place told to argue in order to get the full value. As in the event of a total loss they will only pay the agreed value and no more etc.. Instagram @defender_ventures
Empire Tuning - Agent
Post #735015 16th Oct 2018 11:32am
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Cupboard



Member Since: 21 Mar 2014
Location: Suffolk
Posts: 2971

United Kingdom 2011 Defender 110 Puma 2.4 HT Corris Grey
I used to be insured with A Plan and the service I received was awful. Since moved to Adrian Flux and whilst they're not perfect they're a million times better and actually reply to emails which is a nice bonus.

It would have to be a pretty mammoth price difference for me to move back to A Plan (so much so that I don't even bother to ask them for a quote).
Post #735768 19th Oct 2018 7:27pm
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foggydave



Member Since: 29 Nov 2012
Location: Midlands
Posts: 263

United Kingdom 2014 Defender 110 Puma 2.2 USW Bonatti Grey
I have been in touch with Adrian Flux who promise to beat a like for like quote. Adrian Flux offer an agreed value and as I said above Aplan offer a total write off value of 25% above what the insurers pay out which as seems to be the consensus of the above posts can be any amount they deem it to be.
So think I will be going with Adrian Flux with a fixed price and although not meeting the like for like criteria they have given me a considerable discount.
Thank you all for the helpful input.
Post #735788 19th Oct 2018 7:51pm
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JOW240725



Member Since: 04 May 2015
Location: Suffolk
Posts: 7866

United Kingdom 2012 Defender 110 Puma 2.2 XS CSW Orkney Grey
I've had nothing but great service from A-Plan, currently have two Defenders insured with them and they're under half the premium of Flux and NFU. I discussed agreed values and decided not to state one. I was told the values would be agreed by a specialist car valuer, so should get the market value Confused Hopefully, I'll never need to find out.

It was mentioned on a thread I believe, that a stated value could undervalue the vehicle especially with current values going through the roof? James
MY2012 110 2.2TDCi XS SW Orkney Grey - http://www.defender2.net/forum/topic43410.html
MY1990 110 200TDi SW beautifully faded Portofino Red - https://www.defender2.net/forum/post743641.html#743641
MY1984 90 V8 Slate Grey - https://www.defender2.net/forum/post744557.html#744557
Instagram @suffolk_rovers
Post #735793 19th Oct 2018 8:04pm
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A-Plan Insurance
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Member Since: 30 Oct 2013
Location: United Kingdom
Posts: 344

United Kingdom 
Hello Smile

So... the Total Loss Plus policy which is an extra that we offer to market value policies - it is 25% on top of the Market value pay-out (up to £10k extra) in the event of a total loss Ts & Cs apply.

Agreed value policies cannot have Total loss plus - as an agreed valuation is a series of photos submitted to the insurer with the value figure you believe your car to be worth. The insurers will then look to agree the value to be that amount, this generally lasts for 2 years unless you change the value of the vehicle (new photos needed) however some insurers will vary. This is the value your car is agreed to be worth by both the insurer and yourself so that is the amount paid out in a claim - minus your excess if it is a fault claim.

Not all policies are eligible for Agreed value as this is a service that is used for leisure vehicles, classic vehicles etc - low mileage so likely to retain the value that has been put in place. Vehicles doing a higher mileage are unlikely to hold value and are open to the eliments of all weathers, stone chips etc. so we do not offer for main use vehicles and other restrictions may apply such as parking locations.

Hope this helps

Carlie Howden Insurance - Specialist Vehicle
Call us on 01635 874646 for a quotation
Post #736309 23rd Oct 2018 8:21am
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