[BusNit]

Agreed value would cover me for my losses at which would be 100k whereas "market value" up to 100k leaves me at the mercy of the insurance provider and the fact 1993's in their eyes are just an old camper with no value. hence the low payoff. I had a TR6 British car insured to 80k agreed value. Premiums never went up but I was covered in the full amount if a total loss were to be claimed.