If objects stated in Cl. 17-19 (b), (c) and (d) have been damaged, the insurer may require that the damage be repaired subject to his paying the costs of repairs as and when they are incurred. Repairs may not be required if they result in an unreasonable loss or disadvantage for the assured.
If the insurer does not, or cannot, require that the damage be repaired, or if repairs are not complete, the insurer will cover the percentage of the insurable value of the objects damaged which is equivalent to the final reduction of their value (the damage percentage).
In the event of damage to or loss of an object which consists of several parts, the insurer will only cover the costs of repairing or replacing the part which is damaged or lost. This shall apply even if it is of vital importance that the object is complete.