Hi again to all have just taken out a policy with photoguard seems very good insured all of my kit camera 2 lenses laptop cards tripod rucksack etc totaling just over £2000 covered abroad and when left in my car new for old replacement on everything no excess with loan if something happens to my stuff (Handy if anything should happen on holiday) and all for £94 per annum I opted for the £8 per month which is very reasonable I think if just for peace of mind. once again thanks to everyone, regards Lee
