At what value should I insure my vehicle?

My insurer told me that my claim would be paid based on the average clause because my car was under insured, even though I have a comprehensive motor policy. What is average clause? Why no one advised me when I insured my car? Is it the responsibility of the insurer?

At what value should I insure my vehicle?

You need to insure your vehicle based on the market value of your vehicle at the time of renewal / commencement of your motor policy. This value is also called the Sum Insured of your vehicle in your motor policy.

My insurer told me that my claim would be paid based on the average clause because my car was under insured, even though I have a comprehensive motor policy. What is average clause? Why no one advised me when I insured my car? Is it the responsibility of the insurer?

Average Clause will be applied whenever your vehicle is under insured (insured for a sum less than its market value) at the time of any loss or damage. You shall bear the difference and the rateable proportion of the loss when the market value of your vehicle at the time of loss exceeds the insured value by 10%. It is the responsibility of Insured himself to find out the actual and current value of the vehicle before insuring the vehicle. The Insured may request the agent or a particular underwriter to assist or advise them on market valuation.