Something doesnt seem right about it all to be honest and IMO 99% of the industry is set well in its ways, so while the loophole may exist and you choose to exploit it i imagine you would be very hard pressed or lucky to actually legitamately source the material.
Would be very easy for an insurance company to turn around and say "well actually....." in the event of a claim, too many ways to get out of a pay out if you ask me.
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