majorclanger100, Bernie_the_Bolt, Guys, many thanks for your ongoing advice. Can I ask what an OP is? I have written to RSA as advised and they are now sending out a loss adjuster. Is this a good thing? I have also had this from RSA via email. Are they correct? I know little about insurance, sorry. "The policy does have public liability cover. Under that section of the policy it states that we will indemnify the claimant. This means we are legally obliged to put the claimant back in the position they were in before the incident. Not in a better or worse position. So if the suite is over 12 months old we would make a deduction for wear and tear and the age of the item is taken into account when a settlement offer is made. As stated before, your Mum could always go through her own household Insurers and then they would come to us for a recovery, that is if she has new for old cover on her policy." The last paragraph isn't an option as she had let the policy lapse. As always many thanks for your input

Also, sorry, Would I have to write to them or would and email be sufficient? Thx, K

Hi MC, Could the company have an indemnity policy and not public liability and they have claimed under the wrong policy? Or is that a daft question? Thanks again for your help. Kippy

Hi Bernie, Thanks for that. Are you saying even though it is an indemnity policy that RSA are obliged to settle the full amount and not make decustions for wear and tear? What is the MCOL route? Thanks again

Hi majorclanger100, Thanks for the reply RSA is the cleaning companies insurer and I have a letter from RSA that states that the cleaning company is responsible for the incident .. However, RSA are saying that policy is only an 'Indemnity' policy and they are therfore making a deduction for wear and tear. Does this change the position on your advice on what I should do next? Thanks again for your help

I would appreciate any advice on the following. Last november my mother had her three piece suite cleaned. She got a company in who rushed the job and ripped the material of the sofa. We got quotes in to recover the suite and they are around the £2k mark. The insurance company, RSA, have confirmed the policy holder is responsible but as the policy is only an indemnity they are making a deduction for wear and tear and are offering £900. The suite is a about 10 years old but has hardly been used and is in very good condition, the chairs are 'as new' What action should we now take? Should we ask someone from RSA to come and look at the suite and reconsider their offer? Or, should we try and get the rest from the cleaning company? Or, do something else? Any advice on a course of action would be greatly appreciated. Kippy