Whether you receive a brand-new replacement for your broken gadget depends on the terms and conditions of your gadget insurance policy and the specific circumstances of your claim. Here are some factors to consider:

1. Policy Coverage: Review your gadget insurance policy to understand what types of damage are covered and whether it includes coverage for replacement of your device. Some policies may only cover repair costs, while others may offer replacement coverage for irreparably damaged devices.
2. Replacement Terms: If your policy includes replacement coverage, check the terms and conditions to see if it specifies whether you will receive a brand-new replacement device or a refurbished one. Some policies may provide brand-new replacements, while others may offer refurbished or like-for-like replacements of similar make and model.
3. Age and Condition of Device: The age and condition of your device at the time of the claim may also impact the type of replacement you receive. If your device is relatively new and in good condition, you may be more likely to receive a brand-new replacement. However, if your device is older or has pre-existing damage, you may receive a refurbished or like-for-like replacement.
4. Insurance Provider Policies: Different insurance providers may have varying policies regarding replacement devices. It’s important to check with your insurance provider to understand their specific policies and procedures for handling replacement claims.
5. Claims Process: If your device is damaged and you need to make a claim, follow the claims process outlined by your insurance provider. Provide any required documentation, such as proof of purchase, photos of the damage, and any other relevant information to support your claim.
6. Excess or Deductible: Keep in mind that you may be required to pay an excess or deductible amount when making a claim on your gadget insurance policy. This amount is typically deducted from the replacement cost or repair expenses.

Before purchasing gadget insurance or making a claim, carefully review your policy documents and speak with your insurance provider to understand what type of replacement coverage is included and what you can expect in the event of a claim. This will help ensure that you have the appropriate coverage for your needs and understand the terms and conditions of your policy.