How are household claims settled where the item concerned is irreparable?

Indemnity or market value refers to an instance where a deduction is made for wear and tear. The amount which is paid is the amount required to replace the item with a replacement of the same age and in the same condition. This option however is rarely chosen and some insurers do not offer this type of cover.

The other option is new for old or reinstatement. Here the full cost of replacing the item as new is paid. Most insurers deduct a certain amount for wear and tear in certain circumstances; such as clothing and household linen.

A deduction may also be made if the sum insured is inadequate or for property over a certain age. More.

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