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Thanks Marg, I'll run with your advice. The tenants I have I think are really good, so hopefully won't ever have to make a claim against them. I've just since read that the bank insurance policies (which is what I took out because I was too busy at the time to look around and they offered)...

Just rang Terri Scheer to get an answer to this question as I was finally thinking of getting around to changing it. She couldn't even give me a straight answer... kept saying if the damage occured during the time of the old insurance policy that company covers it. No *****! Where I am...