..... most insurers will always adjust a payout in any way they can, so I assume in my case, I'd get payment/repair for a standard MCS with no options, unless they were declared on the policy.
Those are all nasty words indeed, open to significant interpretation. Especially if you are an insurer trying to minimise a payout and screw the insured.
An interesting thing with Flux - for quite reasonable additional premium you can agree "Assured Value". So not at the dog bottom price for whatever model and in my case to go some way towards including the value of the totally non original aftermarket mods I've done to the car. I'd not come across it before.