When I dropped my camera it turned out that thankfully I had ticked the little box for 'Accident cover' on my policy so that was all good. That was on my contents policy with AA.
We had some issues with whether it needed to be specified on the policy or not but thats a long story and it worked out alright in the end.
Although I have a Nikon I also dealt with Ian R Little and it wasn't too bad, only away for a couple of weeks. It was good for the motivation cause I felt like everything I looked at would have made a great photo because I didn't have a bloody camera.