I don't know about your insurance company but I have made several claims with my company and never had an issue. Have you discussed it with your insurer to see what sort of cover you actually have. Don't call them, go and see them and record the conversation on your phone. I pay a little more for my policy so if I make a claim I'm not paid the current value of the gear if it needs replacing but it is replaced with the current model. My biggest problem is trying to get good insurance when I travel overseas at a reasonable price.