My gripe with this, is that if the stuff is stolen and you then claim on the insurance, is that if the items are recovered they are the property of the insurance company, who will doubtless sell them off. If your handbuilt loco is stolen, and then recovered by the police, after you have been paid by the insurance company, you are no longer entitled to it! You would have to try and track it to wherever it is being sold and try to buy it back with your insurance money, but with no more right to it than any other buyer. I believe someone aired this in ME or EIM a few years back when they found themselves in this situation. Yours, Rich. MODEL ENGINEERING DISCUSSION LIST. To UNSUBSCRIBE from this list, send a blank email to, modeleng-request@xxxxxxxxxxxxx with the word "unsubscribe" in the subject line.