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I was going to say - in Scandinavia specifically, the probability of your stuff being stolen multiplied by the value of the stuff may turn out to be cheaper than a specialist insurance premium (in the UK in particular) - and luggage might be covered by regular travel insurance...
It's the same as the recent question on here about roadside breakdown coverage for a long cross-Europe trip: worth having if it's cheap, but at some point you have to consider that calling a towtruck and paying out of pocket is not THAT expensive, and amortized over the ten years in which you will need to do it once, it's cheaper than the premium!
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