When my stuff was stolen a few years ago I was surprised to find that it was
covered new-for-old on my household insurance. I knew it was covered, but I
expected to get only as much as I paid for it, mostly used, based on the
receipts. 

--
Cheers,
 Bob 

> 
> I don't.  For the amount the insurance costs I could buy a 
> new set of gear every five years.  That's at secondhand 
> prices, of course.  As the only chance of it all being stolen 
> is at home and I am covered by house insurance there (which 
> does cover use utside) and my travel insurance would get a 
> good earbashing if it declined to pay up after an incident 
> when travelling, I think I am pretty well covered.

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