I'd second what @RaRaRasputin said mate. I'm a new pilot and I went with the Refresh route. I was put off the house insurance idea incase I ever needed to make a claim, it would affect my house insurance premiums for years thereafter. And again as above, there's only one firm that does it and nobody we know has made a drone claim with Aviva yet so it's not been proven (how easily they'll pay out).
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