Accessories are extra items added to the car and are broken into two main categories, namely:

1. Factory fitted accessories or options, are extra items added to your car before it was delivered new to its first owner. Factory fitted accessories will only be covered if listed and they are included in the market or agreed value of your car.
2. After-market accessories are any items added to the car by anyone, at any time after it was delivered new to its first owner. After-market accessories will only by covered by your Youi policy if you tell us about them, specify an insured value and they are listed on your policy schedule.

It is very important that you tell us about all accessories fitted to your car. It may affect your premium and your insurance cover, since cars with certain accessories cannot be covered at all by your Youi policy. It is also part of Your duty of disclosure to tell us immediately when you decide to fit any accessories to your car, even during the period of cover. If you do not tell us about accessories fitted to your car, we may reduce or refuse your claim or cancel your policy as permitted by law.