Outsurance - hiding factors within Motor Insurance cover

I have insurance with Outsurance - house - buildings and vehicles. This company I would generally rate as above average HOWEVER they are unable to or reluctant to validate in writing the extras such as toe bars - tents - canopies - roof racks etc on my vehicle - extras for which I am paying a monthly premium. My extras on my Landcruiser - given to Outsurance telephonically, amount to R120000. I have asked them 3 times to provide me with a list of the extras that they are allegedly covering so that I can have proof of this - and to date they have failed to provide this. Surely this would be standard business practice. You must know what you are paying for?? This leads to suspicion and as a client I have no proof whatsoever that the items that I specified are indeed covered. This leaves me with the situation that if my vehicle is written off or ****** - I have no proof that Outsurance is indeed covering the items I listed to them on the phone (other than a reported recording held by Outsurance- Hello!!!. Is this a hoax insurance plan from Outsurance? Whatever - its unacceptable and very bad, vague and unprofessional business practice from such a supposedly above board reputable company.