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@hippy
Hang on, that sounds like total horseshit.
Is a trailer considered part of a car?
What if your lens collection is stolen but not the camera body? WTF do they do then?
How do they work out your money? If it's receipts then they're fucked because lens and body are separate as are wheels and frame, etc.
Hiscox >>>
Wonder what M&S are gonna try..