Yep - Insurance = Licensed Extortion!
Best to be up front - honest - give ALL the facts and close any loopholes beforehand by thinking ahead if possible.
When we were burgled a few years back - insurance co were very good, BUT, they excluded paying out on a 'lap timing receiver' that was stolen. The reason they gave was along the lines of it being "something to to with a motorised or self-propelled vehicle"..... hmmmmm - slippery sods!!
