Firstly I'm slightly bemused as to why agreed value cover cannot be provided for "newish" cars in both your cases via APlan. I bought my 420R in 2018 and replaced it with a 620R(2018) and have had no problem in getting agreed value cover via Footman James (broker) with Ageas acting as underwriter/insurer, for either car over the subsequent years of ownership. Secondly I don't understand the not paying agreed value in the case of a total loss (e.g the car is stolen, never recovered or beyond economic repair) If the agree value is stated in the Policy Schedule then my simple understanding is that the underwriter/insurer has accepted that value, hence the requirement of having to have an independent evaluation (Guy Munday etc.) to ratify the value of the car at commencement of the insurance period being covered. The only way I could see that the underwriter/insurer could get out of paying the agreed value for total loss is if the insurer could prove misrepresentation or withholding of "Material Facts" at the time the policy was taken out. Hopefully Carlie will be along to explain/correct any misunderstanding on my part (it's been a while since I was involved in the insurance world ) UPDATE:- Having just had a quick look at some of the Motor Policy Documentation on the MarkerStudy website I could only find references to market value, none for agreed value, which obviously could explain why that option is not apparently available