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I had a heated screen provided for my shopping trolley when it didn't have one originally - insurers didn't care a damn. It was genuinely cracked, but when it came to replacement I requested a heated item.
It's getting replaced under the insurance, so needs to be like for like I'm assuming.
I'll ask though!
John, lots on seloc had heated installed on insurance with no bother at no extra cost and some had to pay £25 extra which is no big deal! As John says above really they don't care