Even if it wasn't declared he wont get no payout, just a percentage off the value of the payout. Although whos to say he had it declared or not!?
Fook me it was just an observation, being in a similar position myself a few years back with some skirts on my 197 I know how funny insurance can be. Being a fellow RS enthusiast would have been a shame to see that happen to someone.
Although now I've caught up with everyone on who's it is, not that much bothered anymore...
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