In case of total loss, market value at the time of loss or sum insured whichever is less. This is used for personal purposes. Accessories are to be specified separately under electrical and non-electrical items. This is used for personal purposes only. Premium is calculated on cubic capacity and value of vehicle.
Accessories are to be specified.
Theft of accessories is not covered, unless the vehicle is stolen at the same time. Accessories extra, as specified. Accessories extra, as specified. Provide the Police with the information they require. Your Insurance Company will probably want to have someone inspect it and appraise the damage before you order the repair work done.