Match the table to the contract
A search engine can find an insurer's depreciation table easily. First establish that it belongs to your product and situation. A travel-insurance table need not match home-insurance wording. Univé places several tables on its customer-service page, illustrating why the insurer's name alone cannot identify the right one.
Record title, version and source, including the passage explaining when the table applies. Otherwise a neat percentage chart may suggest greater certainty than its content provides.
Justify the category first
A washing machine, small appliance and accessory may occupy different rows. Find the description matching the real object. If unclear, ask with make, model, purpose and purchase information. Do not simply choose the row producing the highest figure.
Read any category qualifications. The percentage is only one element. Age, use or a particular valuation basis may also matter. Read headings, notes and accompanying explanation together.
Univé describes asking for age and original value before establishing replacement and current values. That does not instruct you to multiply the historic receipt amount by one percentage in every case. Stages and inputs need to match.
Keep an exercise clearly hypothetical
To learn how a table works, use an example explicitly identified as invented. Record category, age, starting value and calculation assumptions. This reveals a possible disagreement without presenting the result as an established entitlement.
An unknown purchase date should remain unknown or a clearly explained estimate. Do not invent an exact day merely because a form prefers one. Older photographs, order messages or registration may clarify timing without being altered to support a preferred age.
Retain the other questions
Even correctly calculated current value does not establish whether that basis applies, repair is possible, or a limit or excess matters. Event and location remain separate parts of assessment.
Ask for the table row and starting value used where unclear, keeping the answer with the policy version. The table then becomes a checkable part of calculation rather than an isolated document from which to predict a settlement without context. If a later version appears, retain the earlier reference until the insurer clarifies which one applies to the loss being discussed.
