just becareful with HBF, they say agreed value now, but in a years time when its time to renew, they will tell you that the market value has dropped considerably (which it already has) and they will drop your agreed value. Which doesn't make it agreed anymore..more like market value
I'm with Shannons, like I said, pay $982 per year, agreed value $20,000 with mods, payments are taken over 12 months without raising the annual premium, I could get a new windscreen every year if I wanted.
What I like about Shannons is my choice of repairer... now up until last week, I really didn't understand how that works..
For those that don't know... I go to any repairer I want, get a quote, Shannons then come and assess the damage against the quote and if its a fair quote, it gets fixed. I think that is great. Shannons will come out to where ever my car is, whether I'm at work or home.
The process of making a claim is easy and without hassle....no need to claim through someone else's insurance, when its not your fault.