Php form validation

hi there, I’ve created a form on my website. there’s quite alot of select fields. So, I’ve coded them like this:

      
      <option value="0" <?PHP if($ainsurance==0) echo "selected";?>>- Select -</option>
      <option value="1" <?PHP if($ainsurance==1) echo "selected";?>>Standard cover</option>
      <option value="2" <?PHP if($ainsurance==2) echo "selected";?>>Super cover</option>
      <option value="3" <?PHP if($ainsurance==3) echo "selected";?>>Executive cover</option> 

Now, i want the correct words to get displayed on the email that will be sent after the form validation; ie. Super cover or Standard cover, etc.
At the moment the 1, 2 or 3 gets displayed.

What must I do so that the variable ($ainsurance) prints “Standard cover” and not 1, etc.?:-/

Thank you.