Personal Lines

Xpress Autoguard

AUI’s Reliance Risk Solutions (RRS) team has partnered with Lloyd’s of London to develop a monoline Agreed Value loss settlement solution. Our policy wraps over any underlying automobile insurance policy in the event of a “total loss”.

Contact: 865-481-2655


This program is for insureds who:

  • Cannot obtain agreed value cover in their state due to DOI restrictions
  • Find it more cost effective to place their auto insurance with a company who cannot offer agreed value cover
  • Had agreed value cover with an insurance company but are no longer eligible due to underwriting appetite changes


  • Agreed value limits available in-house of up to $5 million per policy
    • Driver demographics
    • Household composition
    • Vehicle usage
    • Previous loss activity (clients with a prior total loss can be considered)
  • Coverage available throughout the continental United States

To obtain a quote, please provide the following information:

  • All drivers in the household as well as listed on the underlying automobile policy (including three year loss activity)
  • All vehicles that require terms for agreed value cover (year/make/model/vin/requested agreed value)
  • Underlying automobile insurance policy information (carrier and policy number only for indication)

To bind a quote:

  • Obtain a signed quote document that is fully completed
  • Underlying automobile insurance declarations pages
  • Underlying insurance company’s driver and loss activity reports
  • Agreed value documentation (if requested by underwriter at the time the indication is provided)
  • State due diligence form