Paid members also receive a 1 percent discount on all purchases made on insured items.

For registered and insured items, 35p.

This was a simple cut-and-dried procedure, legally necessary but not normally full of surprises; the victim identifies the stolen insured items.

In the event of the total loss of one of these separately insured items the proper settlement is the sum insured.

Players could insure their items by going to local Wardens, non-player characters that make insured items travel with you even if you die.

That provides reimbursement for what it would cost to replace the insured item at today's prices, rather than just the original cost of the item, less depreciation.

In the insurance industry, "replacement cost" or "replacement cost value" is one of several method of determining the value of an insured item.

A separately insured item will be an actual total loss when the subject matter of insurance is destroyed or where the Policyholder is irretrievably deprived of the subject matter of insurance.

In such case we must treat the pair as one insured item and if a repair or replacement of the lost/damaged item is not possible the insured is entitled to the sum insured for the pair or set.

Citibank, for example, dropped free travel accident insurance coverage from most cards, Chase Manhattan reduced the amount of travel accident insurance it offers and Bank of America dropped a plan that insured items purchased with a card from loss or theft and doubled warranty coverage.