why do i have to use my insurance

#1
during my tour of basra my comfy box went missing. it got lost in the system some where. i was informed that if i wanted my kit back i would have to claim on my own personal insurance. surly this carnt be right. the army lost my kit but for me to replace i am going to be £200 out of pocket (excess) and not to mention my premiums going up. is this right?
 

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