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hmmm.....i hope they're reasonble in what they offer to replace because i certainly wouldn't be happy to take something worth considerably less than what we had paid! but then again i may not have a choice in the matter. yes the premium is high, almost triple that of our home contents...

thanks heaps Steve!!!

Ok stupid me lost a necklace that costed $10K. We have cover for it under 'specified items' in our contents insurance and am also covered for accidental loss/damage anywhere in Australia so that part is all good. If we make a claim on it will it mean its harder to get insurance next time...