Pini I've known a lot of people suffer at the hands of insurance companies. Yes, they are happy to take your money, but even if you have read the small print you only discover how they choose to interpret the claims after you make one. All risks seldom means that in practice as you've found. These days my stuff is covered at home (household contents policy) but I don't have any specialist poilicies on location. Indeed - you are right - after 5 years your savings can replace what you have. Rob > >About 5 years ago I finished paying home insurance after they had denied >paying me for a full photography bag that was stolen from my car in >Portugal. > >I had "All risk policy" that covered my photography equipment all over the >world. > >I paid a lot every year. > >The saving 5 years I'm not paying them brought me back my loss. > >I was stupid to pay for the former 30 years.
