) Notwithstanding anything to the contrary contained in the policy it is hereby understood and agreed that the insured shall bear under Section 0 of the policy in respect of each and every event (including event giving rise to a total loss/constructive total loss) the first Rs....* (or any less expenditure which may be incurred) of any expenditure for which provision has been made under this policy and/or of any expenditure by the insurer in the exercise of his discretion under Condition no ...