Lennym1984

I would maybe take the PCGB valuation with a little pinch of salt unless you're car is something very unique. They tend to be a little optimistic versus real life selling prices (and thus "true" values). If the car is highly modified or in some other way vastly different from most on the market, then it does of course make sense to go with an agreed value policy. The option to give you +25% versus market value would probably allow you to get into a very decent replacement so perhaps that's a good option? What car is it and how much are similar cars valued at on auto trader (and the like)?

Speak to @A-Plan Insurance

If you really want to do a good job, buy some epoxy mastic. It takes a long time to fully cure (about a week) but once it is dry, it is extremely tough. I left some in a plastic mixing cup and it has dried into a 2 inch thick "puck." I've hit it with chisels and hammers (just to see how tough it was) and nothing will scratch it.