This includes items which cannot readily be identified by make/model number, such as furniture, antiques, persian carpets, linen etc.

The agreed value, adjusted for inflation, is payable in the event of a claim, although this does not preclude an insurer of exercising it’s option to replace.

Jewellery. Qantam does not value jewellery but includes an estimate so as not to hold up the final valuation. Clients are encouraged to obtain valuations for items that exceed the limit set by the insurers.

These are items that have a make and model number and claims settlement is usually based on the actual replacement cost of the item, which can be more, or less, than the amount shown on the inventory.