I was about to cancel a new contract when I was convinced by Wendy (can submit surname tomorrow) why I should not do it

I was about to cancel a new contract when I was convinced by Wendy (can submit surname tomorrow) why I should not do it. Ive app**** for an essential motor coverage since my car is a 2007 model and not really much of value (R39900). I was not happy that Outsurance will only pay me half of that amount should my car be written off in an accident. Wendy explained since Im a pensioner I will benefit more of paying a lower premium than having comprehensive coverage that will be double the amount of the essential coverage. She asked me what will I buy for R39900 if my car is written off. I overthink my decision stating that she actually had a valid point and decided to keep the essential coverage.