my household covers me for theft and damage. Last year I fell off a fence with all my kit on my shoulders and my Avon in my hand-guess what i fell on?
Anyway, they paid for a new Diawa barbel specialist-no probs.
I could get the insurance cheaper, but its done through the house/mortgage, but never had a quibble when I got burgled, fell thru the ceiling, flooded the upstairs and fell on my rod.....