Contents insurance - deduction for wear and tear

quotememiserable

I just moved my contents insurance to the AA, and although its a new-for-old policy on most items, it says a deduction for wear and tear will be made on clothes and linen.
What is this likely to mean in practice? It doesn't sound the same as second hand value (which would be close to nil).

InsideInsurance

Different insurers have different scales but generally its a fairly simple sliding scale they pay like:

<1 year - 100%
<2 years - 80%
years - 60%
<4 years - 40%
>4 years - 20%

TSx

Frustratingly, there's not really any way to know what this means in practice - the company I work for underwrites AA policies, and we deduct 10% per year (up to 10 years where we deduct 95%). The actual amounts are something you're probably only going to find out when you make a claim.

quotememiserable

...and they just ask me how old the stuff was? I don't even know that!