I too have expensive Oakleys with prescription lenses and my household insurance covers them. Bit of a comedy phone call sorting it out though.
I assumed sports equipment cover meant it covered equipment used for sport, but that just means tennis racquets and golf clubs. Seems that everything I use for sport needs to be named on the policy.
Me - Do you cover expensive prescription Oakleys?
Insurance Co - OOH I don't know, hold the line while I find out..........yes we do sir.
Me - and what about all my expensive climbing gear?
Ins' Co - Your what sir?
Me - you know, ropes,harnesses and stuff
Ins'Co - OOH I don't know sir, hold the line while I find out............yes we do sir?
Me - and my snowsports stuff?
Ins' Co - Your what sir???
etc etc etc for paddling kit, mountain bikes, sailing boat