I have recently had a claim turned down by the Naafi, due to the wording on the claim form. I said that I had a fine handed to me, by the Brigadier, to the tune of 500 notes. The Naafi said that they wouldn't pay out due to it being a fine, even when I said that was the way the military got recompense for lost items of kit. A word to the wise, make sure you have adequate cover for your kit.....especially all you SQMS/CQMS'S out there. As for the naafi, 22 years of cover stood for nothing...CHEERS!