The Future of Luxury Car Insurance.
A new standard of insurance is coming. One that replaces guesswork with guarantees. Register your interest to join the exclusive Valence Founder's Circle and lock in your benefits.
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The Flaw in Standard Insurance
The Two Hidden Flaws That Cost You Money.
1. The Depreciation Gap
You pay a premium to protect your car's value today. But a standard "Market Value" policy only pays what your car is worth on the day of a claim—after depreciation has taken its toll. This gap is a risk your insurer quietly leaves with you.
Day 1 Value
£120,000
Claim Day Value
£107,000
2. The Flaw of Averages
Insurers price your car based on an 'average' risk pool. This means your high-spec, well-cared-for vehicle is lumped in with base models. The result: your lower risk is subsidizing their higher risk. You pay more so they can pay less.
How Standard Insurers Price You
Your Car
+
Other Cars
↓
An Unfair "Average" Premium: £1,500
Our Data Advantage
The Valence Lens: Seeing True Value & True Risk.
Standard insurers are blind to the details that define your car's true value and actual risk. We see everything. Here's how our data-driven analysis creates a superior outcome for you.
1. Value Composition Analysis
We identify options that add to your car's worth.
- Base Vehicle £105,000
- Sport Chrono Pack + £2,000
- Premium Sound + £3,500
- Carbon Brakes + £7,000
- Other Options + £1,000
2. Risk Profile Analysis
We identify features that reduce your risk.
- Standard Premium £1,500
- Lane Assist - £50
- Auto Braking - £75
- 360° Camera - £25
The Result: A Superior Guarantee
Higher Agreed Value
£118,500
Fairer Premium
£1,350
The Valence Solution
The Valence Guarantee: Our Three Pillars of Protection.
Valence was engineered to fix the flaws of standard insurance. Our guarantee isn't just a policy; it's a comprehensive service built on three pillars that protect your asset, your time, and your peace of mind.
1. Precision
A Promise Built on Fact, Not Fiction.
We use AutoGrab's data to create a 'digital twin' of your vehicle. This allows us to calculate its true worth and lock it in as a fixed Agreed Value. Our guarantee is credible because it's based on science, not guesswork.
2. Protection
An End-to-End Shield for Your Asset.
Our protection goes beyond a simple payout. For repairs, we ensure only spec-correct OEM parts are used. In a total loss, our data allows us to instantly locate like-for-like replacement vehicles, accelerating your return to the road.
3. Service
White-Glove Claims, by Design.
You will be assigned a dedicated Claims Concierge—a single point of contact who understands luxury vehicles. They manage the entire process, from recovery to repair or replacement, ensuring a seamless, respectful, and swift experience.
The Customer Experience
The Valence Difference, Made Clear.
Consider the journey of a discerning owner after their high-spec vehicle is stolen. The difference in experience is not just financial; it's emotional.
The Standard Experience
- →
The Call
You call a generic contact centre and are assigned a case number.
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The Wait
Weeks pass as an assessor, unfamiliar with your vehicle's unique spec, consults outdated guides.
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The Dispute
An offer is made based on a depreciated "market value" that falls short, leading to stressful negotiations.
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The Outcome
A frustrating process ends in a financial shortfall and a loss of faith.
The Valence Experience
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The Call
You call your dedicated Claims Concierge, who already knows you and your vehicle's exact details.
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The Action
The claim is actioned immediately. The payout value is already agreed, so there is no assessment needed.
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The Solution
Your concierge initiates payment for the full Agreed Value and uses our data to help locate suitable replacement vehicles on the market.
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The Outcome
A seamless process ends with a guaranteed financial result and your peace of mind intact.
Choose a Guarantee, Not a Gamble.
If you value your vehicle, you should value certainty. Don't leave your investment to chance with a standard policy. Secure its true worth with a Valence guarantee.
Join the Founder's Circle