Yes, insurers do cover accessories and extra fittings at an additional nominal premium. These accessories and fittings are classified as electrical and non-electrical fittings in your car. Loss/damage to the vehicle or its accessories by Fire, explosion, self-ignition or lightning, burglary, theft, by riot and strike; Earthquake (Fire and shock damage); Flood, typhoon, hurricane, storm, cyclone, hailstorm, frost, Accidental external means, Malicious, Terrorist, etc.