Insurance pay out

As it understand it, if you have a named item on your insurance at an agreed value, you get that value paid, less any excess, on a claim.

What does your contract say?

got a mate who had the similar thing happen to him, he had agreed value insurance on his fourby (with all extras listed and priced) but apparently agreed value is just for the vehicle, insurance companies depreciate the extras like your fridge which he also had stolen.
the insurance company made a poor offer like yours to him which he kicked up a stink about and then received a more substantial offer, but still less then what he reckoned he should receive.
it's something not alot of people know about with the depreciation of extras, so hopefully this will get the word out as to how some insurance companies operate with agreed values.
i'd argue the value of the payout and say your not happy with the amount, don't just acept their first offer.
cheers and good luck.

I was an insurance assessor/instigator for 8 years. Couple of points. What does your policy ACTUALLY cover. A good rule with insurance policies is "If it's not specifically included, then it is excluded".
Does your policy cover the fittings as part of the van, or as property stored within?
I feel that anything fitted by the builder, replacements thereof, or anything permanently affixed should be covered, but without seeing the policy, I couldn't tell.
One thing I do know is that it is a general rule to "minimize" a claim and this often means denying all or part of a claim.
There are two ways to make claims clerks & managers take notice: a lawyer and the ombudsman.
The lawyers fees will normally be picked up by the insures if the claim is accepted. The Ombudsman claim will cost them at least a couple of thousand, even if they win, so normally, they'll try to settle.
Hope that helps.
Cheers, J