sorry should have said this is for an 'agreed' valuation, you don't have to have one of these. They'll still insure you for whatever you say the value is but if it ever comes to making a claim for a total loss you'll just get whatever they consider to be 'market value', which might be a lot less.
I prefer to get an agreed valution done upfront - that way if there is a claim then that is the value they'll pay out on.
I prefer to get an agreed valution done upfront - that way if there is a claim then that is the value they'll pay out on.