Assuming the items are damaged in an insured event and they’re included in your coverage, those items may be repaired or replaced.

We will replace your items via our supplier, based on what is currently available in the market, provided we have necessary evidence to confirm the damage or loss. We’ll replace the item with one of the same type, standard, and specification, but not necessarily the same brand or model.

We may request a repair report to confirm whether the item can be repaired. If it can, and doing so will restore the item to the same condition it was in before the insured event, we will proceed with this option if you agree. If repair is not suitable, you have the option to accept a replacement from our supplier network, or be paid the value of the replacement item we have sourced.

If we’re unable to replace your item, we will request a quote from you for one that’s similar to what you previously had, or settle based on the limit on your policy.