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The extras on your vehicle can easily add 50% to its value, and failing to specify these items puts you at risk of being underinsured - and being paid less than you were expecting when you claim. Vis Govender, principal at PSG Insure Bryanston, says claim payouts are usually based on the value for which your vehicle is insured, which in turn is determined by the value you declared, or that your broker calculated based on how you described your vehicle. Govender says anything optional that is fitted - either by the manufacturer or by an approved provider - that did not come with the standard factory version is referred to as an extra or accessory. Examples of extras include towbars, bullbars, sunroofs, navigation systems, interior trim, paint finishes, wraps, branding, tracking devices, wheels, music systems, leather seats, winches, off-road features, antitheft devices, window treatments, an extra row of seats, baby seats, canopies, long-range tanks, modifications for specific uses a...

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