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@Bad_Science
I'm insured through Carole Nash and I pay a couple of quid more for all my kit to be covered as well. I think it's worth it, when I parked my old guzzi in the side of a plumbers van and skidded down Old St on my back, I was basically fine, but the motorbike cop who showed up before the ambulance told me to bin everything I was wearing and replace it all.
If you've crashed in some kit, unless you're some kind of textile stitching expert, how do you know that it's in decent condition internally?
I claimed it all off the other blokes insurance anyway, he was so totally in the wrong. Even the ambulance driver was saying that he must have been driving like a dick.