Assuming the items are damaged in an insured event and are included in your coverage, they’ll be repaired or replaced. We’ll replace your items via our supplier network, based on what’s 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.

If an item can be repaired 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’ll request a quote from you for one that’s similar to what you previously had, or settle based on the limit on your policy.

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