Insurance vs DJI care

Just wondering what people do generally for protecting their drones? I’m looking to get my first drone which will be the Mavic Air 2 and want to make sure I have some level of insurance should the worst happen. DJI care is £79 vs around £50 for insurance which also gives me some level of public liability. the advantage of insurance means I can claim pretty much no matter what happens and get new for old replacements if I pay a £50 excess For each claim, with DJI care there is no excess but…

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