Welcome to the world of 'fine print'.
It's only when you have to make a claim that you discover, with car insurance, like everything else in life, you only 'get what you pay for'.
The cheapest premium may also mean the insurer will insist on any repairs being done as cheaply as possible. That could mean using non-genuine parts which may be of inferior quality, or not Australian Design compliant, or even recycled parts.
This is exactly why reading the fine print is vital. So phone your insurer or agent and make absolutely sure your policy states that Genuine Parts will be used to return your vehicle to a condition which meets ADR Australian Design Rules compliance.