How many hives in UK

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Rather depends on the likelyhood of a payout - if less chance than 12/1 you're on a loser - like every other insurance scheme its just a bet with the odds in their favour.

I live in an area that has efb /afb breakouts every yr ( some spread by a norfolkbee supplier!!)

so, good investment I reckon

if you're one of the lucky ones who live in an area which never has outbreaks of notifiable diseases....................................
 
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