Calder Electrical Services Ltd · 5 items · 4 put there by the ledger

Tools & Materials is insured for £2,500 against an indicated £7,500

That is a shortfall of £5,000, about 67%, and the sum insured was last set in October 2018. Where a policy carries an average clause, a shortfall of this size can reduce every settlement by the same proportion, including partial losses well below the sum insured.

What the books say these cost

£6,640

What a fixed asset register in Xero or FreeAgent holds, before depreciation is even applied.

What replacing them would cost

£7,469

Derived from each item's category and age, never typed. Every row shows its own arithmetic.

What they are insured for

£2,500

Set on 1 Oct 2018 and not revisited since.

The needs statement carries £7,500: the replacement value rounded up to the nearest £500, so it reads as a considered number rather than a spuriously precise one. No form on this page offers to set it.

What only you can add

4 of these 5 items put themselves on the list. A bank statement described them, the engine categorised them and valued them at what replacing them would cost, and nobody typed anything. What is left is the small part a bank line cannot carry.

4 items have no serial number

1 of 5 carries one

A serial number is what identifies a specific tool as yours once it has been taken, and it is the one thing a bank line can never carry. One box each. Adding one corrects the row the ledger already found rather than opening a second row for the same tool.

From the page you bought it from

Paste the address and the shop's own product data fills the form in: what it is, who made it, the model number and the list price. Nothing about it is guessed, and nothing about it is trusted either. It is a fact with a source, exactly like everything the audit extracts, and you confirm it.

No product page to hand? These two are served by this prototype, and say so on their face.

By hand

Cash purchases, gifts, anything bought before the ledger window, and anything a bank line cannot describe. Replacement value is not asked for: the engine derives it from the category and the purchase date, and shows its working on the row.

The register

Every line, what it cost, what replacing it would cost today, and where it came from. The two money columns are the reason an accounting fixed-asset register cannot be used as a sum insured: it holds the left one.

5 items 1 with a serial number

Item	Bought	Cost	Replacement	Source	Adjust
Power tools from Screwfix Direct Leeds Power tools · no serial number How this was valued £940 paid 0.6 years ago, uplifted at 5.0% a year. Evidenced by 2026-01-27 · SCREWFIX DIRECT LEEDS · £940.00, which is what a handler would ask for as proof of purchase.	27 Jan 2026	£940	£966	Ledger	Correct Item Category What you paid Purchase date Serial number Taking a line off is recorded rather than done: it comes off the register and off every total, and the block below this table will offer to put it back.
Power tools from Milwaukee M18 KIT Power tools · no serial number How this was valued £1,320 paid 1.8 years ago, uplifted at 5.0% a year. Evidenced by 2024-11-08 · MILWAUKEE M18 KIT · £1320.00, which is what a handler would ask for as proof of purchase.	8 Nov 2024	£1,320	£1,440	Ledger	Correct Item Category What you paid Purchase date Serial number Taking a line off is recorded rather than done: it comes off the register and off every total, and the block below this table will offer to put it back.
Power tools from Screwfix Direct Power tools · no serial number How this was valued £780 paid 3.5 years ago, uplifted at 5.0% a year. Evidenced by 2023-02-21 · SCREWFIX DIRECT · £780.00, which is what a handler would ask for as proof of purchase.	21 Feb 2023	£780	£925	Ledger	Correct Item Category What you paid Purchase date Serial number Taking a line off is recorded rather than done: it comes off the register and off every total, and the block below this table will offer to put it back.
Power tools from Makita UK Power tools · no serial number How this was valued £1,450 paid 5.2 years ago, uplifted at 5.0% a year. Evidenced by 2021-06-09 · MAKITA UK · £1450.00, which is what a handler would ask for as proof of purchase.	9 Jun 2021	£1,450	£1,869	Ledger	Correct Item Category What you paid Purchase date Serial number Taking a line off is recorded rather than done: it comes off the register and off every total, and the block below this table will offer to put it back.
Fluke 1664FC multifunction tester Power tools · serial FLK-1664-77213 How this was valued £2,150 paid 1.1 years ago, uplifted at 5.0% a year. No purchase record is attached to this line. A declaration is not proof of purchase, and the claim page says so rather than counting it as one.	14 Jul 2025	£2,150	£2,269	Declared confirmed	Correct Item Category What you paid Purchase date Serial number Taking a line off is recorded rather than done: it comes off the register and off every total, and the block below this table will offer to put it back.

Replacement value is derived from category and age. No form on this page offers to set a sum insured.

How this list keeps itself

Where the rows come from

Found in the ledger: 4 of 5, described, categorised and valued without anybody typing
Declared by the business: 1 of 5, which is what this screen is for
Carrying a purchase record: 4 of 5, being the bank line that evidences the purchase at claim time

A declared line is not the same as an unevidenced one and a handler weighs them differently, so the claim states which it is rather than saying "none".

Where these edits live

In the address of this page, and nowhere else. A reload keeps them, the back button keeps them, and every link on this page carries them forward, including the one to the claim. Send someone this URL and they see the same register; open /register?demo=calder-electrical without it and the ledger version comes back.

This business belongs to nobody: it is one of four fictional ones this prototype ships, so storing an edit against it would make one reader's register into everybody's. A business on an account keeps its register on the account instead, and no link carries anything.

No edits yet.

Two ways in that are not built

Both of them need somewhere to put a file. This deployment can keep a register and cannot keep a photograph of a receipt: a database row is not a filestore. Written up in full in asset-capture-concept.md, and stated here rather than drawn, because a picture of a working integration is the same class of overstatement as an audit that states something a ledger cannot show.

A receipt on an item: One invoice is routinely four tools, so the mapping is many to many and worth designing properly rather than bolting on. What the register can already say is which lines carry a purchase record and which do not, and it says it above.
A forwarding address: Forward an order confirmation and it files itself, at an address shaped like asset+<token>@docs.pickle.com. The token is the whole credential, so it has to be long, per target and revocable, and inbound mail is spoofable and has to be checked rather than trusted. Nothing receives that address today.

This is what the register is for.

The same register from the business's own side, carrying the same company and the same edits.

Illustrative only. This is a statement of demands and needs based on public records and information you confirm, not a personal recommendation or a quote. Prices are banded estimates derived from published rates and are not an offer of cover.