this post was submitted on 29 Nov 2023
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If it helps, I had third party fire and theft with AA and they wanted to just give us their book value instead of our agreed value (since it was the other party's fault our agreed value didn't come into play) which was super annoying since their book value was only half the agreed value - which they had set in the first place. So you are probably much better off having full.
That's odd, as a test I did a quote for 3rd party and they don't ask for insured amount.
How long ago was it? Can you still raise a dispute?
About a year ago. Dispute was raised and settled to my satisfaction but in future I will always query the insurer's book value if I have to do a third party fire & theft with agreed value.
Kind of annoying because you don't want to underinsure.