If the value of your car exceeds the sum insured, you shall bear a
rateable proportion of the loss accordingly in the event of a claim
on your vehicle.
N:B - The law of average comes to play in a situation where there is a claim
for an under insured vehicle. Meaning that at every point where the insured has
a partial loss claim, he/she does not qualify for full indemnity i.e. same is
subject to a rateable proportion of the loss.