having had my insurance for 5 years now and never ever made a claim, i have finally had something worth claiming gone tits up and an ipod stolen. how can i go about claiming it? is there anyway to guarantee i get the money back? the ipod was in a communial room with me in it at the time (will this void it?) and my laptop has gone tits up without hope of repair with constant internal gubbins going pear shaped. basically are there any tricks to make sure my broke lost kit gets replaced. im not looking to scam the insurance. i just dont want them to not give me replacement money on a technicallity if it can be avoided. and some people with kit insurance experience could help me out. iv heard putting stuff in a black bag and running over it in a truck works wonders. and losing stuff in a certain place doesnt arouse any questions! trouble is was never really concerntrating in that lesson in life. any help in this matter would be greatly appreciated.