Preheat a fan forced oven to 180C / 355F (200C / 395F for no fan). Spray or line a 12-hole muffin tray with oil spray or cupcake liners.
Combine dry ingredients - To a large mixing bowl, add the flour, brown sugar, caster sugar, baking powder, bicarb soda, salt, cinnamon, ground ginger, ground cloves and nutmeg. Use a whisk to combine.
Add wet to dry - To a separate bowl or jug add the pumpkin puree, milk, eggs, vegetable oil and vanilla and whisk to combine. Add the wet ingredients to the dry ingredients and mix to combine. Add the chocolate chips and use a spatula to fold through.
Bake - Divide the mixture evenly between the 12 muffin liners. Bake for 5 minutes, then turn the temperature down to 150C / 300F (170C / 340F for no fan) and bake for an additional 15 minutes. You’ll know they’re baked when you insert a toothpick into the middle, and it comes out clean. I just touch one of the tops and if it bounces back, they’re done.
To finish decorating - Once baked, take out of the oven and sprinkle with remaining chocolate chips. The heat will help melt and stick them to the muffins. For a crispier muffin top, sprinkle with course sugar right before baking.