Using "Specials" on Takealot to determine the replacement value of unspecified items

Had a break in and placed a claim with Indequity. Colour me surprised when I relaised that they deteremined the replacement value of some unspecified items by using discounted offers on Takealot.

The problem with this practice is that it places all the risk on the client. Takealot is a 3rd party reseller. This means they do not hold stock and you can order something which is later cancelled when they realise that the original seller cannot fulfil the order.

Thus, if the special is no longer available when Indequity finally pays out your claim (mine took more than week) you are left with insufficient funds from the payout and are out of pocket. The whole objective of discounted pricing is to get rid of old stock as quickly as possible leaving clients to race against the clock while trying to get whole again after a loss.