They will never give you cover for all the damages instead they will smartly consider the damages that will incur minimum bill and reject others by giving some bullshit explanation. Their surveyor not even calls you to ask what happen because they know upon discussion they will not be able to pick and choose damages.
Iffco Tokio is best and I was having same earlier but this time some executive misguided me and offered this for few bugs less and I fall into the trap