Will you replace items on a "new for old" basis?

Cover is provided on a new for old basis (except for clothing). We may choose to settle by one of the following methods:

  • Replacing with new items
  • Reinstating (restoring your insured items to the condition they were in before the loss; for example, by professionally cleaning soiled carpets)
  • Repairing
  • Payment, so that you can choose your own replacements