Like i say it depends alot on the policy you have and without knowing the exact terms and conditions its difficult to know. You say you have an agreed value but has the car been viewed by an engineer at the policy start to confirm its "agreed" value?, the majority of underwriters will simply work from a "parkers" style guide price for the motor industry, working on a top and bottom price dependant on the mileage, condition etc etc [are your mods covered on the policy for instance? know they aren't on some policies?]. Just to try and reassure you, i have known insurers raise there original of