All metal based films are UV reducing but the old plastic based ones ( turn purple ) these lesser quality films had nothing reducing UV.

Most if not all films today are Metal based as anyone who is any good will offer a lifetime warranty on the tint and install, can i suggest that if your worried about insurance and or Police then get 35's as per law, but there is a 28% available which is just that slighty darker that it looks good, but not dark enough that it attracts too much attention.

Also depends on the car, if its stock looking then you'll rarely get picked on, no matter how dark, too low,loud,standout, then your going to attract the attention anyway and they'll go looking for things to pick you up on.

If in Sydney, i can suggest a great guy for tints. PM if needed.