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So you've been fishing all day and its been a great trip - everyone's caught loads of fish and is happy and it's now time to go home. You reel in for the last time, cut the rig off, pack up your kit and walk back to the car.

When you get home you realise something is not quite right, there's was that niggling feeling you had all the way home - and then it hits you like a sledge hammer to the side of the head - you left the bait bucket on the beach!

No big deal bait buckets only cost ten pounds to replace but the three multiplier reels you left inside them would cost nearly £500 to replace - not to mention the one you borrowed of your friend.

You boot everyone out of the car, slam it in reverse and drive like a man possessed for 60 miles until you get back to the beach. You sprint over the shingle searching the area..only to find what you already knew would happen - ouch!

About five years a go I did exactly this and learnt the hard way! Now I have comprehensive fishing tackle insurance cover so now I don't have to worry about this sort of thing.

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