When you claim for the replacement of an item, the insurer will make a reduction for wear and tear (unless you can prove they are less than three years old) for the following items:
- Household linen.
For all other Contents, no reductions would be made, and ‘replacement as new’ will proceed as long as the item being claimed for is not in a damaged condition (unless as a result of the insured event for which you are claiming) and the full value of the item(s) does not exceed the maximum claim limit.
The insurer will not make a reduction for wear and tear for any elements of a Buildings claim provided that the full value of the Buildings does not exceed the maximum claim limit and they have been maintained in a good state of repair.
Policy limits and exclusions may apply, please see the policy wording for full terms and conditions.