In reply to kipper12:
I switched my house contents insurance to the AA, specifically because in the small print it covers 'camping equipment' whether at home or temporarily removed.
When my TN quasar ECT tent broke a pole in a winter storm while camping high in the caingorms they gave me a complete new replacement tent. (I patched up the old tent and gave it to my daughter).
The BMC insurance wouldn't even have covered the tent as they have a limit of £250 per item - and they would probably have quibbled over the wisdom of camping in such conditions.