Agreed Value from Just Kampers Insurance 

21 September 2022 | Last updated 27 June 2024

No one wants to think about their pride and joy being written off for any reason, especially if it’s a classic car or modified vehicle that you’ve poured time, money and love into.

Still, “hope for the best and prepare for the worst”, as they say. If the worst should happen to your cherished classic or camper, an Agreed Value policy from Just Kampers Insurance will ensure that your vehicle is covered to the correct value accurately reflecting its worth.

How does Agreed Value work?

The team at Just Kampers Insurance can arrange an Agreed Value policy to cover your classic vehicle, modified vehicle or modern vehicle, if it’s at least two years old.

It’s well worth considering this addition to your vehicle insurance policy if you believe that the listed market value might not reflect the actual value for your specific vehicle. Maybe you’ve recently restored it, you’ve installed modifications or upgrades, or you just feel the industry market value isn’t a proper reflection of what you could sell your vehicle for.

Once you’ve completed the steps required to secure an Agreed Value policy, it will carry a sum assured, or amount payable, in the event of total or partial misfortune. Because of this, it’s vital to accurately provide details and evidence of your vehicle to ensure the policy protects its true value.

To secure an Agreed Value policy, you’ll need to supply a range of photos of your vehicle, including any modifications or upgrades, as well as receipts for cost of the parts and labour involved.

This might be for modification work, a full restoration, or just a few upgrades. These photos and documents are to ensure accuracy in selecting the sum assured against modified parts, or model type, that brings value to your classic or modified vehicle.

As your vehicle is likely unique, it’s important to ensure your policy recognises its full worth.

What information will I need to supply?

Photographs of your vehicle
Insurers will specify the kinds of photos they need, and the shots necessary to evaluate your vehicle’s true value – this may involve pictures of the interior, exterior, engine, and any modifications.

Copies of bills and invoices
You’ll also be asked for bills of recent or existing work: It’s essential to support the value of your vehicle through authentic receipts of work that directly express the worth of labour and parts. This will also help to indicate the kind of unique works that have been applied to your vehicle.

An independent evaluation from an accredited expert
An optional step, to ensure that the agreed value is as accurate as possible, is a paid inspection that captures, beyond photography, the worth of your vehicle – from an independent, accredited expert.

Agreed Value insurance summed up:
Unlike traditional policies, Agreed Value is mostly for classic campers or modified ones. These policies are typically harder to find because they are designed to protect campers or cars above the average marketplace value. Your policy will carry a sum assured, or amount payable, in the event of total or partial misfortune. It’s important to accurately provide details and evidence of your vehicle to ensure the policy protects its true value.

Who are Just Kampers Insurance?

Just Kampers Insurance was set up with the VW enthusiast in mind and has been providing tailored insurance policies for classic VWs and daily drivers for over twenty years. We don’t just insure campervans, but it’s certainly our speciality.

You’ll also save 10% on orders from JK if you’ve got a Just Kampers Insurance policy:

Insure your vehicle with Just Kampers Insurance and we’ll give you a 10% discount on every order* you place with us throughout the duration of your policy.

*Excludes ‘Special Order’ items & gift cards. Discounted amount is a 10% reduction in the product’s retail price. You will automatically be unenrolled once your insurance policy expires or you cancel it. Discount cannot be used in conjunction with any other offer or promotion.

Click here to find out more about Just Kampers Insurance.

The Just Kampers Insurance £50 price promise:

We’re so sure we can offer you a really competitive price on insuring your precious VW that we’ll give you £50 Just Kampers Gift Voucher if we can’t beat your current quote.

Click here to find out more about our £50 price promise.

If you would like to talk to the team about an Agreed Value policy please call 01256 976165 or click on Get a Quote for an instant online quotation or use our web call back service. 

Written by: Jason Sims

Jason is a Marketing Executive at Just Kampers who is a fully-fledged VW enthusiast, with over 20 years’ experience in keeping Volkswagens old and new on the road, he currently owns a 69 Cal Look Beetle, and enjoys attending VW shows and Camping with friends and family.

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