If Items are lost or totally destroyed | You receive the equivalent replacement value | You receive the equivalent replacement value | You receive the equivalent replacement value |
If Items are damaged and can be repaired | You receive the reasonable cost of repair or restoration up to the equivalent replacement value | You receive the reasonable cost of repair or restoration up to the equivalent replacement value | You receive the reasonable cost of repair or restoration up tothe declared value |
Breakage |
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| Only if the cause of the damage is one of the listed perils |
Scratching |
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| Only if the cause of the damage is one of the listed perils |
Chipping |
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| Only if the cause of the damage is one of the listed perils |
Denting |
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| Only if the cause of the damage is one of the listed perils |
Fire and Flood |
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Theft and Pilferage |
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Non-delivery |
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Items that are for part pairs and sets |
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Mechanical or electrical derangement |
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Normal Atmospheric (mould and mildew) |
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