Frequently Asked Questions

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You asked: 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

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