You're doing agreed or market value?
Just choose agreed value if you prefer, then you just pay how much cover you want it replaced for.
You know how much its cost you.
If it got written off or stolen, what would they have to pay to replace it with same spec?
You dont want to be paying for an overinsured premuim, but I would have thought 30K would not be too far off either?
We just had a total writeoff on a 6 month old car with 3000 kms on it.
Still waiting for the replacement vehicle to be built, but we have been given a hire car until then (will be about 4-5 months all up)
They covered our accessories, dashcams, towbar (2k alone), even the clothes we wore that were cut off in the accident. Thats the first time we've needed insurance, but I'm glad it was actually usable when we needed it.
RACV.