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Georgi
All my kit is covered under my house ins , had a word with them first and found that without individually naming items any single item under £ 1,000 was covered inside or out . So if I went out with my kit bag £75 , body £550 , 2 x lenses £900 , tripod and head £135 and so on you get my drift all would be covered , all of this at no extra cost to my standard house ins .
just check your excess .
Mark
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