You raise some interesting points. With the SAA cover we provide basic cover as part of the membership fee. However as you say there are occasions when the requirements become more complex. What we can offer is direct contact with our insurers where they can offer top up cover over and above the SAA cover on a bespoke baisis. If you contact me directly I can give you their contact details. Richard@saa.co.uk
You may be pleased to know that prints are insured with the SAA cover, up to the value of replacement.