Hi, I am looking for help with my insurance claim and any help is greatly appreciated as I am at my wits end and suspect this is what the insurer wants. I put in a claim for a few items after moving house, I was covered by the removal company's insurance, which I paid extra for. The items were all in perfect condition, they were as good as new in terms of condition. The insurer accepted they should pay for the items but they are only offering far less than the cost to replace the items. There was a microwave which is now dented and unusable. I allowed for that in my claim and claimed a similar model which was far less than the I had paid originally. There is the exact same issue with a television which cost £1500 and a similar model now is £600. I claimed £600 as the cost to replace but they say that they must allow for age and deterioration so they cannot pay £600. At £900 off what I paid I would think that allowed for age and deterioration. The insurer is saying he has to allow for deterioration and age and so cannot offer the full amount to replace the items. They have also, on several occasions, clearly put a price watch on the items on amazon and waited for them to drop in price and emailed me saying well now it's less so I'm not willing to offer you the amount you required before. Another issue I have had is that there are a number of antiques which were damaged. These had been in the family for generations. They were purchased by my great grandfather and though not expensive at the time, would cost a significant amount to replace now. In my claim I put that the purchase cost was £30 on one table as it was when it was bought some 50 years ago but a replacement, which was identical and I emailed to them was £800. They claim I put purchased at £800 and cost to replace £30. I neglected to take a copy of my form. They have also said allowing for deterioration it would not be worth £800 anyway but that is the cost to replace. I have tried to explain that these are antiques and it will cost more to replace them than it did to purchase them as they have gone up in value but they say that's wrong. I am baffled by this, paintings go up in value as do many other items, they simply cost more to replace but I cannot keep emailing the same thing every time and am really at the end of my tether. The insurer is saying the policy was not like for like nor new for old. As yet they have not provided a copy of the insurance policy and this has been going on for 15 months now. They just refuse to make any movement. If I accept a lesser amount I can't afford to replace the items. Every time I send a response it takes 2 months to receive a reply, the quickest has been 1 month which I believe is unacceptable. I hope I haven't forgotten anything and appreciate that this is a long winded post but there are a lot of issues. I don't know what to do and dread seeing the email in my inbox from them now. Any help with this is so much appreciated. Beyond contacting the Ombudsman I am at a loss. Thank you in advance for anything you can do.