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I am having a problem with my insurance company and a claim. They are pointing to a clause that says that a particular item isn't covered for index linking and won't pay the value it was insured for because of this clause. I have discovered they have been increasing the insured value for it each year, is this not index linking? So which is right, they pay me less for wear and tear or the index linked full value? But should they have been doing this index linking for the item in the first place if their own clause states differently? They have been getting more insurance money as a re