When it comes to buying a policy, always:

☛ Check the market value price of your vehicle. If it is a new vehicle, the insured value will be the purchase price.

☛ Ensure that your vehicle is adequately insured as it will affect the amount you can claim.

☛ Give all material facts about your vehicle, including previous accidents (if any), modification to engines, etc. When in doubt, it is best to ask your insurance company.