I once turned an Enterprise mast banana shaped whilst racing. My then insurers were General Accident and had a cheque in the post within ten days of my submitting the claim form. I rang them and told the honest truth about the incident, and they said it was OK.
A couple of years earlier I insured my car for a foreign friend to drive on a visit to the UK. She crashed it into another car within an hour of the insurance commencing. General Accident (again) paid out without batting an eyelid. That was the early 1980s .
I also had a sailboard stolen from a dinghy compound at Leeds Sailing club in about 1987. That was paid out no trouble as well.
You can't expect new for old unless the policy says so. It will pay out the value of your property
I do know that insurers have become a lot more nitpicking, but I can only suggest that you read any policy carefully, not only for what is insured, but for the section saying what is not, and if you are still not sure, at least ring and ask them.
There has been a number of rejected insurance claims noted in PBO where the MD of Pantaenius has taken the time to write and say that under their policy it would have been covered, so there is a good starting point for you.
I'm with Saga, who initially demanded a survey, then after I had the survey, said they did not need one [img]/forums/images/graemlins/confused.gif[/img] i'm probably going to look elsewhere next year as they are quite limiting in some ways.