In reply to Andy Dines:
What was the claim? Good to know they do pay out, that's basically the only time you find out if insurance is any good...
For comparison, Photoguard quoted me £280 for the year, Hiscox came out at £205 (and include accidental loss, which photoguard don't). (5k insured, when adding in a laptop etc).
One of the main photoguard / aaduki etc also said if I wanted to claim accidental damage for a camera I dropped while climbing, I'd have to retrieve the camera... :|