Replacement with insurance policy

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Newbie
Hello
I dropped my camera and it is not repairable. I originally bought the camera secondhand and was in 'like new' condition. The insurance company have offered a replacement used item however I believe the policy is to replace with a new for old, do I have to accept another used camera?
I dropped my camera and it is not repairable. I originally bought the camera secondhand and was in 'like new' condition. The insurance company have offered a replacement used item however I believe the policy is to replace with a new for old, do I have to accept another used camera?
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If it is old for new without exceptions ask them why they aren’t replacing old for new and ask for their complaints procedure if you don’t get a satisfactory answer
Ultimately read your policy, the default is like for like.
if they replaced it with new anybody could get an old or broken camera and 'drop it' then claim a new one.
Most have "new for old" terms, but this is for things that have been stolen or lost in a fire etc...
There is then an option for "accidental" damage insurance but this is generally not new for old but replaces like for like.
You're having a camera replaced with an identical camera so I don't see the issue. If you do have a "new for old" term in your insurance, then you would have to provide the proof of purchase of the new camera to get it replaced, which you would not be able to do as you purchased it second hand.
Would've = Would HAVE (not 'of')
No, I am not perfect, but yes I do judge people on their use of basic English language. If you didn't know the above, then learn it! (If English is your second language, then you are forgiven!)
For the majority, premiums will increase post a claim, if it werent the case there would be no point insurers asking what your claims history is like. There are many complaints in the Insurance forum that someone has made a small claim and then found premiums have increased by more than the claim cost the following year.
Looking at the example of 1 person can give very misleading results, sometimes intentionally by insurers. Looking at motor insurance at renewal, people were really happy when their insurance was about the same as last year however your car is a year older, worth less, you've more experience with it, more experience driving etc and so in theory your premium should go down really... pricewalking in later years was hidden by people's expectations -v- what should have been happening.