Yeah i found that strange too. When i got the car i payed 33,000 for it and when i rank just cars they would only do 26,500 for agreed value. I told them thats crap as the car cost me over 33,000 and they said well thats all they will offer. Then a year later (last month) they send my renewal and the agreed value had gone up to 30,000. So i have no idea why. Maybe now i'm less of a risk being 21 they decided to put the value up or something.