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Message: <blockquote data-quote="astroboy" data-source="post: 328570" data-attributes="member: 4527">Those insurance companies that offer "agreed value" clause offer very shitty/ridiculous value for you car... just to quote an example, a 2007 E90 320i bought for RM220k brand new in 2007, is only being offered RM160k agreed value during 2008 renewal.To me, the only difference "agreed value" clause offered is you get that "agreed value" the moment claim arises and can avoid insurance company using excuses to delay your claim. If don't have such clause, the evaluation process can take up some time (normal excuse).To answer Quikflyer's question, just flip the classified section to look for your model and year, take the selling price and knock off 5k to 10k to arise at the realistic possible transaction price. That will be the sum you want to insure your car.Getting the right sales agent that's going to service u is more important than choosing the right insurance company, since premium is regulated, it'll be the same price which ever company u buy from. So personalised service is something extra... that's my philosophy.</blockquote>