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Travel Insurance

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Whilst on a game drive last week, the heavens opened and within seconds we were totally wet. I shoved my camera up my shirt with a jumper over it but it still got a little wet.
On the whole it works but the view finder is dead, I rang the Insurance company and they dont cover rain damage.
We have read their booklet through twice and no where is this mentioned, I'm posting this to warn people that perhaps that's a question to ask.

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