Ironman insurance

I'm a BTA member which covers me for loss of things like life limbs etc when racing globally but not equipment or transport.

last year - I spent £55 on a "gold package" for whole holiday to Switzerland and forgot to claim back my E34 drip and my lost goggles so ended up paying for it anyway....

I have an e111 card and normal travel insurance etc.

Sooooo

1)Should I get extra IM specific insurance or am I just doing overkill?

2)If so what is the best to get?

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