[Raymo]

It does make a refreshing change to hear a good story about an insurance company, it seems these days they search for anything to catch you out and avoid the payout, I was half expecting you tell us that they had a look at your site and said "you take photographs of concerts why on earth where you on a riverbank with your main kit, we are not paying you", gladly my pessimistic thoughts where wrong and you got sorted out in good time