Both Grundy (been a little more price competitive the past few years) and Hagerty will do agreed value policies. They will often work from an owners set of pictures, description, and claim of value as long as it seems "reasonable". On the last 7 or so cars I've insured I only had to have an appraisal once, and fortunately for me a well done one accompanied the car, though I had to update the pictures when I repainted it.