In reply to Big Mountain Man:
>
> Oxygen - £1800
Well, that explains quite a bit of the total!
> They say personal belongings are only covered for up to £1000 although total kit used on K2 is in excess of £6000 ...
Well then maybe they're not suitable expedition insurance? Were they recommended to you by the company you went with? Did you feel that limit was acceptable when you bought it? I can't help thinking you're asking for more than you agreed to.
I'm not in the UK so never looked at Dogtag much, but never figured they were serious expedition insurers, more for skiing and adventure travel. That said, it's hard to get any decent expedition insurance nowadays, so I know your predicament.