would i be expected to send in the broken item before i could receive a new one?
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The insurance company will usually need to see the damaged item. In order to see it they will either send a local approved repairer round to your home, or they will as you to send/take it to a local approved repairer.
The item will be inspected and tested, a damage report will be issued to your insurer (with recommendations to repair or replace) and then the insurer will decide how to proceed.
If the item is restorable at a reasonable cost then you may not get a new one.
Source(s): Insurance Approved Repairer
You need to be sure the item is covered by your policy; that you have a receipt or other proof of purchase to show it was yours/how much it cost; that your policy provides ‘new for old’ coverage; provide evidence that it cannot be repaired; and then send the item at your cost to the insurers.
you would be expected to submit your claim then ask the insurance company what they want you to do with the item after they have accepted you have a valid claim (and that might not automatically mean you will get a new one)
ask the insurance company, anything else is a guess