I recently claimed on my household insurance having slipped on my wet kitchen floor with my camera in my hand. Camera smashed, lens snapped off the body and bits everywhere. Managed to get it back together but it wouldn't take pictures properly, lens was jammed and the body mount damaged. Household insurance had a replacement camera in my hands before 1PM the next day. I had to pay £200 excess but it saved me a fortune on a new purchase. Mind you would have been better if it hadn't happened as I wouldn't have suffered severe bruising on my arm and head where I hit the kitchen units and the tiled floor.....