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Kit insurance

Been sorting myself out ready to go away and I've been thinking about kit insurance. Who are the best people to go with (if you think its even worth it that is)?
A rough idea of how much itmight cost would be handy as well.

I did try a search but "kit" is too short a word to be included in the search!
I do mine monthly at about £12 including personal items cover (ipods, rings etc). You can cancel at any time on a monthly, so useful for the times you are away on a course.

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