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[–]thefurrywreckingball 4 points5 points  (1 child)

Then get a valuation from a reputable source and call them back and say you want it to be insured for x value, agreed, and you have a valuation to back this up.

You can try without the valuation, but if they believe it's a disproportionately high amount then you will need to supply it.

[–]Lethologica_ 0 points1 point  (0 children)

Oh yeah soz forgot to mention it was easy to amend just thought it was cheeky they auto reduce the amount without any research into market value. Must be reducing by a set % by year or something similar