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canadian coaches association worth only a fraction of what it actually cost and certainly not what it would be to replace. And should thieves take a fancy to your well loved Gucci handbag while you're on the dancefloor, could you even prove to your insurers that you ever actually owned it in the first place?Sam Wittall, of designer boutique Sam Thomas, has regularly had to deal with suspicious insurance companies probing customers' claims for stolen or damaged clothes. She agrees that it doesn't always run smoothly."It can be quite tricky, particularly if the customer has had their shopping bags containing the clothes they've just bought stolen from their car. The only way to ensure you're protected is to keep a list of what you buy and all the receipts, and tell the insurance company of your most precious items. How many of us bother to do that?"I know people, particularly blokes, who have been burgled and the thieves have cherry picked all their designer stuff thousands of pounds' worth which they haven't got back."Sam has an entire room stuffed with clothes but, she admits, organising separate insurance for her collection hasn't been her top priority."It's only when you stop to think about it that you realise how much money is tied up in your clothes. I must have thousands and thousands of pounds' worth. But even if your wardrobe is mainly high street labels, it all quickly mounts up."Edinburgh call centre manager Lesley Avinou, 30, who lives with her husband David in Bonnyrigg, knows just how that can happen. She guessed the value of her outfits to be 3000 but closer inspection revealed its true value