hi tony, when i bought it 2 yrs ago for �3600 thought insure it for �4000 ????? just seems like im losing out on a �1000 somewhere and not just de-valuation.......when some shops are still selling same kind now for �3850 ????? i feel ripped off somehow.......im paying extra to insure for �4000 and only getting �2250 in return......just does not add up at all ?????? ray