Or, going with the car analogy, the equivalent would be the entire interior of the car.
Let's say you have a $50,000 car. You get caught in the floods in Johor. The car starts and can drive, but the entire interior is ruined. Carpets, radio, CD/DVD player, GPS system, LCD TV screen, seats, all the wood and leather, the whole dashboard, etc etc etc. You take it to the manufacturer and they say that, including all the parts and the cost of labor, it would cost 40,000 to repair. That's actually a quite realistic cost.