I've got over £11K covered with Photoguard for around £260, which includes travelling and locked car cover too. Never had a claim, but I've heard and read only good things from people who have claimed.
Lots of threads about this on here. Have a search and digest. It's a minefield. BUT make sure that you don't use E & L, if you have a car to carry your gear around in.
Glover & Howe quoted me over £800 to insure my kit (about £14k's) that was full international insurance (i live in Dubai) but I had to have a UK residence as well for it to be valid.
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