New for old Insurance

[frostyspecs]

My insurance policy pays new for old except bedding and clothes unless you can produce receipt. Who keeps receipts for shoes jumpers etc. If I cannot find these docs what would they pay out approx 10% 40% 70% of new replacements.
Had a house fire kitchen gone but I lived in the kitchen and the indoor clothes line was packed with drying clothes (Rayburn heat). Any help will be appriciated

[flip_flop]

Depreciation or wear and tear deductions for clothes and linen is quite normal in household insurance - you may get new for old if the clothes are brand new and you can produce a receipt, but I'd be extremely surprised if new for old is given for clothes that have been worn (if they do, can I have the name of the insurance company please as I would like to insure with them!).

[ummmm]

When I got burgled they stole some designer jeans that were folded up in the kitchen. I didn't have to produce any receipts.