It is important to keep in mind that the purpose of the motor insurance policy is one of indemnity that is the insurer must pay you back in the financial situation you enjoyed prior to the loss – no better, no worse. The insurer does not simply check the sum insured and pays you an amount subject to the limit of the sum insured. Your loss must be evaluated and made good. Therefore it is important that the age of your vehicle and its condition are carefully assessed. As previously mentioned, the value of the vehicle is the market value. When it comes to replacing parts insurers will normally use original equipment manufacturer (OEM) part if the vehicle is less than 5 years old and well maintained. For older vehicles, using new OEM parts would result in an enhancement in the condition of your vehicle and result in putting you in a better situation than that which existed before the loss. Therefore imitation parts, non-OEM pars or recycled second-hand parts are normally used. These may vary in quality and standard and you should clearly discuss their origin and brand with the surveyor and insurer before starting repairs.