Is your camera equipment a named item on your insurance? I insured my kit through my home insurance, worth roughly the same as yours, last week and they said I should put it on the policy as a named item because if I lost the bag, they may consider a single item. With a max single item limit of £1500 they said if it wasn't a named item, I might not be covered.
All the use of 'may' and 'might' didn't exactly fill me with confidence and thought they may just be ripping me off but in the end I decided to pay the £20 for the year and just be on the safe side. Didn't do any other shopping around either which was probably another stupid thing to do.