Electrical accessories: Any electrical and/or electronic equipment that is not factory fitted with the vehicle can be covered under electrical accessories at an additional premium of 4% on the value of such fitting. Value of electrical accessories will be as declared by the insured. For example, a Music System that is installed in the car after purchase of the vehicle can be covered. Non-electrical accessories: Any Non-electrical/ Non-electronic equipment that is not factory fitted with the vehicle can be covered under non-electrical accessories at an additional premium of invoice value*. Value of non-electrical accessories should be the invoice value of the non-electrical accessories up to the maximum limit of ₹20,000. For example, Mag wheels and/ or leather seats that are installed in the car after purchase of the vehicle can be covered. * Own damage rate