I've been quoted a very low price by Wawanesa (under 500 CAD a year!) to insure my brand new Model S 70D. I have two concerns: Is Wawanesa any good with claims or am I getting myself into a potential nightmare should anything happen? They do not offer the "Replacement Cost" option that protects against the depreciation of the vehicule, is that really needed with a Tesla? My second lowest quote was around 700 CAD per year from La Capitale (including the replacement cost option). I'd be interested to hear your thoughts on this, especially if you've had experience with these two insurers.