Hi', Robert, and All.
I have had my cameras and fiishing tackle covered by my House and Contents policies for the past twenty years and more, and had no problems wahatsoever with claims.
I think the first claim was for repair of a very nice Sony 8mm Video camera that got damp while a pal and I were sea-fishing off the rocks near Stornaway in 1993. That camera, incidentally, was worth about 3 good modern digital SLRs; so was my old Pentax LX, now gathering dust. So, although I'm never going to be a 'tackle-tart', I did indulge myself at one time with cameras, which is why I don't try to ridicule 'T-Tarts', as some people do.


I've had two claims for damaged rods; never got greedy or deceitful about their identity/value, and was happy to pay the £100 excess on the claims for their replacement.
My present insurance policy, like several preceding, covers me for goods away from home up to £1500 maximum for a single item. That was the cost
of the 8mm Sony video camera, coincidentally. Maybe I am lucky because of my age, as I insure through a company that caters for 'oldies'. I guess an outright sporting goods policy would cost me more; I've never checked to find out. Hope that helps a little. TerryC