@SimplyAndy
No-one posting to this forum can give any definitive information on such things: that has to come from the insurer.
I'd note the policy document says:
We will decide whether to repair or replace any item as new if available (or otherwise with the nearest equivalent) and we will have the option to do this by using one of our suppliers. If we can offer a repair or a replacement but we agree to make a cash payment instead, this payment will be limited to the cost of repair or replacement to us by our preferred supplier. If the item cannot be repaired or replaced with a like replacement by using one of our suppliers, we will pay the full replacement cost.
You may be asked to provide any repair accounts, invoices, receipts, valuations, or any other forms of proof of ownership to help substantiate your claim. Failure to provide proof of ownership could mean that your claim is refused. We will have the option to use one of our suppliers to validate the loss or repair.
I'd also observe that it appears you would need to have chosen the optional accidental damage option ahead of time for cover to be valid, but you will need to establish if this is the case.
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