Insurance advisors are sometimes idiots. A friend of mine saved a "Limited edition" late model e90 320i BMW after rebuilding it. These "Limited Edition" cars are quite unique because customers specially spec-up these cars with high end options so each "Limited Edition" is unique in some way. This one had the highest end leather option, bluetooth Idrive, a body-kit and a few other things. The insurance advisor called my friend back and said the insurance was RM2k++. My friend was stunned why the insurance was so high, the advisor said they don't have this model in their database and used the nearest description of what they had which was the F30, a much newer car and insured my friends car for RM130k.
The problem was he bought the car for 40k. Now he's thinking whether to just total the car and claim the money or not.