M&S Contents Insurance heads up
Signed up for this a couple of years ago mainly down to it's comprehensive all risks/accidental damage cover. Reading through the 'changes to your policy' I find that exclusions now include 'damage from cleaning' and 'electrical breakdown'.
In the past I've had an amp go DC and take out 2 15" Tannoy bass drivers and also I've bent a stylus while dusting...... I wont be renewing. Similar cover(same exclusions) from LLoyds at 1/3 the M&S price.
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