Insurance

The trade valuation guides insurers use do not value cars over about twenty years old, which is why a classic on a market-value policy is a claim waiting to be argued. What the Financial Ombudsman expects, what the regulator found when it looked, what agreed value actually promises, and the evidence that sets it.

The insurance problems that only imports have. Covering a car that has landed but has no British registration, why agreed value matters more when there is no UK history to argue from, what evidence insurers ask for, and what the law actually requires.

The classic-car insurance structure where you and the insurer agree the car's value upfront, so any total-loss claim pays out at that figure rather than a depreciated market value.

What CaSSOA is, what the Gold / Silver / Bronze ratings mean in practice, and why insurers and owners both care about CaSSOA accreditation when choosing a storage facility.