I'd agree with the others here. If you want to defraud your insurance company I want no part of it. My receipts stay put.

If you paid $200 for your empeg, then unless you have replacement cover thats all you are entitled to if you make a claim.

If you thinks its worth more than this to replace (which it is for most folks now) - then try asking for a "agreed value" policy - where you and the insurance company agree, in advance, what they will pay out if its lost/stolen etc. Of course this will mean you pay a higher premium than the $200 cover, but thats part of the deal.

Also be aware - If you insure your empeg for replacement value check the fine print on the contract first.

A lot of "replacement" insurance covers consumer electronics only if they are (still) being manufactured and are readily available/available for sale (from the manufacturer) - the Empeg quite clearly is not and replacement cover will only be effective if the equipment is less than a set number of years old (I think 5-10 for consumer electronics is the normal limit).

I know of very few insurance companies that will take on a "regular" replacement cover insurance risk where the replacement costs will go up and up every year in a hard to predict way.

As more Empegs get lost/stolen/damaged etc there will be less and less of the orignal 4000+ for sale and those few that are for sale will no doubt command a premium for the likes of folks wanting to replace their empegs whether their insurance company is picking up the tab or not.

You are almost going to have to take out a special insurance policy - you will also probably find your cover gets more and more expensive every year as well even if you don't claim and perhaps in 5 years they may refuse coverage for any price.

And don't forget "wear and tear" on your empeg won't be covered