Dan!
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Andy, I personally wouldn't waste the money on getting additional insurance - there's nothing to hit.
Potencialy the only *damage* you could do is knock your geo out of true if you slide from a low grip surface to a high grip surface at speed - but you won't get up to the required speed easily.
Potencialy the only *damage* you could do is knock your geo out of true if you slide from a low grip surface to a high grip surface at speed - but you won't get up to the required speed easily.