first u need to decide on the type of insurance policy you have
if its a comprehensive insurance policu everything is covered from theft ---- damage to vehicle even a single scratch and ure insured
if u have a tracker installed the cost of the insurance policy decreases
u also need to know that is ure insurance company proividing with a (noclaim bonus)that is if your car has never been damaged everynext year the premuim u will pay will decrease
do remeber when u insure ure vehicle every year year the value of ure car depreciated adamjee insurance depreciated at 10% that is if ure car needs to claim insurace in the second yaer insurace company will pay 90% of the amount and u will pay the rest of the 10% of depreciatec value