TATA safari insurance amount

Hi,

I have a TATA safari top model car, brought on July 1st 2022. I will complete 2nd year in few days. I have taken insurance from TATA AIG last year on amount 27k. But I car got bitten by rats and I claimed insurance, but that service agent just repaired my card and claimed insurance of 3.5k.

Now tata insurance renewal amount is around 45k. Is it worth it or can you suggest good insurance company.