Vehicle manufacture year versus model year

[mike_nofx]

I know some manufacturers like to refer to a vehicle as being next years model, such as selling a 2016 model now in 2015. I'd like to know if there are any specific rules surrounding this, and when you can refer to a vehicle with a particular manufactured year as being next years model.

My specific question is in regards to a vehicle I'm in the process of buying and getting comprehensive insurance quotes for.

The dealer has advertised it as being a 2008 model but actual build year is 2007 (from memory late 2007, exact month is not in front of me). It was first registered in 08' and I believe it would have been sold new as being an 08' model.

Now personally I don't care what year it's referred to but the insurance company does. It is roughly $20 more to insure an 07' model over an 08' which is nothing BUT the insured value is close to $1000 less for the 07' model which is something.

When online quoting insurance and selecting 08' model I am given a choice of 2 cars to select one simply stating the car model, and the other stating the same car model details but in brackets (MY08)

So basically, how do I determine what to insure it as? I'm obviously not wanting to defraud the insurance company, but if I'm entitled to have my car insured for a higher value and a little less premium then I want it.