I know Honda Insurance Package provides 10 years warranty on insurance claim and they will use new original Honda parts.

I suppose Toyota will offer the same thing but you can try checking on this.

Normal car insurance, if involved in a collision, they will on use new original parts for cars that are not more than 5 years old. Beyond that, all taiwanor the cheapest parts will be use for repair.

Better comes from the 6th year onwards.

It is up to individuals preference. Some will opt for the cheapest, some for the coverage.

For me, I will go for Honda or Toyota Insurance package.