I dont use it but thinking about it i am thinking about
http://www.kitguard.com/
£39 for
- £1000 Clothing cover
- Legal Expenses covered up to £50,000
- Medical Expenses covered up to £5,000
- Cover is valid for both fault and non-fault claims
- European cover included
- Making a claim will not affect your Motorcycle NCB
£750 doesn't seem a lot when you add up all your kit either does £1000 but getting better