RAC new policy for accessories

just received some new docs from RAC with my wife's insurance renewal. It says in there that accessories are now covered up to $750.00 unless RAC has been notified and agreed to cover it under the car price or with an extra paid to the premium.
I rang this morning to check what was already covered/agreed on the 4by.
First the good news is that the $750.00 is per item not for all accessories alltogether.
Second as long as they are permanently fitted on the car and less than $750.00 and you got proof they were fitted they won't ask more to pay you out (so it seems and I believe because they did in the past for my spotlights). For anything costing more than $750.00 then you need to tell them. Some items are OK (i.e. they told me the bullbar was covered as it is), some are extra (i.e. the long range fuel tank is extra but it would increase the premium by less than $10 and they don't charge you for something under $10 apparently and that increased the insured amount by more than a grand!! You bet I accepted to get it noted as extra since they did not take note of it when I bought the car despite I told them).
Third any luggage you may have is not covered and you need a separate insurance for it but I know my contents insurance covers me for it (again as long as you agreed with them of a value for those expensive bit of recovery gear you may want to cover against theft).
Fourth, just thought I double check their cover for off-road and she said that all 4wd vehicles are automatically covered off-road with the policy. After reading some of the posts in the forums I had was in doubt but now re-assured.

So if you're not sure of what you've got them to cover for you in terms of accessories I suggest you ring them to clarify it all.

Sly.