A long while ago I had my car written off by a driver whose insurance firm refused to indemnify him because he put a wrong age on his proposal form. He had put 26 when in fact he was 29 !
I discovered that my policy had a new for old which covered my one year old car. So I claimed on that.
It was another benefit for me because I had bought the car as imported from Belgium and converted to RHD as that was a lot cheaper. The replacement car was UK provided.
But the new one was not as nippy as the original. That had twin 11/4" SU carbs and the replacement car had a single 11/2" SU.