@ckoei Yes my pump is covered on my home insurance (although nobody said I had to do that). From what I’ve seen, as long as it’s within it’s 4 year warranty the companies seem pretty good at just replacing them if they’re damaged, I think the only time you’d need insurance is if it was stolen.
Mine’s survived all kinds of activities but the riskiest does seem to be walking through doors, I’ve clonked it on more door frames than anything else. The cracked paintwork at waist height in our house is testament to that.
@annette The lowest flow rate I’ve tried my aquapac with is 0.50 and I had no problems with it. That said, I’ve only ever used it when I’m doing exercise rather than just lounging around so any reduced flow would probably be offset by the exercise anyway. Sorry, that’s probably not much help!