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Ah that makes sense - so in the event of claiming you get the equivalent new? I reckon I put the insurer off because I was asking about claiming before I even had a policy!
when you insure it you put a replacement value against the item, in my case ive put the cost of a new 40D against my 20Ds so id get that value to put towards a replacement.
obviously you pay a premium based on replacement value..
