^^ And the agreed value you have is for when a "3rd party" (you and your insurer being the first two) wrecks your car and they can't pay (e.g. doesn't have insurance).
That's not how 3rd party normally works (in the UK at least). 3rd party covers any damage you do to someone else's car in an accident if it was your fault on no-blame. It doesn't cover anything towards the cost of your own car. As you point out, "3rd party" means the other guy and that is who it covers.
AA Insurance and their agreed value policy
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That's not how 3rd party normally works (in the UK at least). 3rd party covers any damage you do to someone else's car in an accident if it was your fault on no-blame. It doesn't cover anything towards the cost of your own car. As you point out, "3rd party" means the other guy and that is who it covers.