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Insurance - Critical Questions?

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I will be insuring my first Model S in the very near future. I have read many threads on insurance advice across the various forums which contain lots of nuggets of information about best companies, lowest rates etc.

Can anyone with experience of working with insurance companies give me a list of the 'MUST HAVES' for good coverage for a model S. I am always skeptical of the coverage claims of insurance companies and i really don't want to be caught out because i didn't read/understand a small print item that later becomes pivotal in a claim.

Thanks for your help and shared experience

Brister