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Don't forget you may not be covered if you haven't attempted to mitigate your loss first (ie. attending tribunal) and that some insurance policies charge an excess per event. Insurance is always the last option.

Sounds messy. PM's can be incredibly useful when something happens, or cost you money - as above. The thing that bothers me most is the fact that they charge high rates for tribunal. When shopping around, look at ALL the figures, not just the management fee. I don't charge for tribunal...