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Message: <blockquote data-quote="bal3056" data-source="post: 166966" data-attributes="member: 584">I believe there must be a basis for underwriting on agreed values ... aint easy in Malaysia but it's a good start anyway.   I am also pretty sure there will be limitations set on the amount as well as the overall cover (probably total loss or theft claim cover only) as one cannot agree on agreed value of RM100k when the market value is only say RM70k. Agreed Value basis will generally be more suitable for Classic cars where the values appreciate in time.  Even then there is a guideline or benchmark to follow. HM</blockquote>