Take a look at the exclusions you are not covered if you lock your tackle up in a garage, shed or out building, now remind me where do most of us keep our wet, muddy, smelly tackle in my case it aint the house, so unless you get it knicked from your car providing you put it all out of sight it dont have that many benifits. Damaged in use might be ok if you have a top of the range pole where a section is going to cost many hundreds of pounds
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