What is "like for like" replacement?

Insurance valuation is based on technical specification rather than the value that was originally paid for the item. Due to the advancements in technology, electrical items tend to depreciate quicker than they have previously. It is not unusual to see a television halve in price in a short period of time.

By basing your replacement on the technical specification of the original we can guarantee we are giving you the most accurate and appropriate item. Where manufacturers change product ranges or technology becomes obsolete the most suitable replacement may not be within the same range or brand.

Once we have allocated a value to your claim we will be able to discuss the best settlement options for you.

Policy Cover

Insurance policies differ from insurer to insurer. We are asked by insurers to return you to your original position whilst being sensitive to your individual policy rules. It is important you have read your policy thoroughly so you are aware any specific points that we will be bound by. For instance, some policies may have specific limits on single items; or may enforce a wear and tear clause dependent on age. If you have any queries regarding your policy we would recommend discussing them with your insurer.


Very pleased with everything. Many thanks.

Mrs G, Essex

Fast and efficient service. Thank you.

Mr B, Avon

Thank you for the speedy service.

Ms B, Sussex

Thank you also for the help and guidance given during our telephone conversation which I found very helpful.

Miss J, Cambridgeshire

Hello, I have just had a conversation with one of your advisers. I just want to pass on my heartfelt thanks. Its not very often you get treated with kindness and compassion these days and I would just like to say that the adviser is a credit to your company.

Mr K, Cardiff

A very quick and efficient. You made a bad experience a lot better and easier to deal with.

Miss B, Leicestershire

I was very happy with the speed of which my claim was handled and would like to thank everybody involved.

Mrs M, Lancashire

Very pleased with every aspect of the service - from telephone calls, with prompt service and nothing was too much trouble. Would highly recommend in the future. Thank you all very much.

Mr T, Cheshire

Great service! Very helpful and flexible.

Ms L, Berkshire

Very good service by all concerned.

Mr C, North Ayrshire

Very pleased with my items, efficient and excellent advice given.

Mr L, Essex


Mr J, Warwickshire

A very positive experience from start to finish. Great customer service at the end of the phone, and the staff were very helpful and affable. Very pleased with the end result. - Thank you!

Mrs R, Berkshire

Could not fault the service.

Mr H, Tyne & Wear

We are very happy with the service we received from you. Thank you

Mr & Mrs B, West Yorkshire

The service I received was helpful, friendly but business like.

Ms M, Isle Of Wight

Great service, really efficient, good communication.

Mr W, Norfolk

Thank you for a fantastic service, you have been so quick.

Miss G, Warwickshire

Very satisfied with the service provided.

Mrs T, Northamptonshire

Thank you once again for a high standard of customer care.

Mr R, Lincolnshire