We would consider accessories to be part of the scooter itself. So if the collective value of scooter and accessories is £1,500 or more then the amount you specify the scooter for should include the value of the accessories, in order to claim for the full amount following an insured loss inside the home. Similarly, if you want cover for your scooter and accessories away from the home then your scooter must be specified (irrespective of its value) and the replacement cost you specify should include the value of the accessories.