I guess most of us have tagged their camera insurance onto their home contents insurance. Whilst that is good for most things, accidental damage and theft in the home, I'm not sure how anyone would stand if mugged or had their gear stollen whilst on the street. Thankfully I have never had to put it to the test. Here's a list of googled pages to check out, although I have always found money supermarket .com very useful and worth checking out.
http://uk.search.yahoo.com/search?p=...UTF-8&fr=moz35