I disagree with all of you.Because we have multiroom Sky+H/D ( 2 boxes ), I took out insurance cover as soon as our 12 months contract with Sky finished in 2008, & I'm so glad I did, in Feb & March of this year I had to have both boxes checked,1 of the boxes was replaced,& the other box had to be replaced twice, also the LNB in the dish was replaced twice, & the 2nd engineer who called told me '' It doesn't matter how many replacements you have,thats what you are paying insurance for'' so you see all aspects of the system are covered not just the boxes,all for £8.50 per month to Domestic & General,I think it's well worth it.