A good point to raise about having separate insurance, specifically for your gear.
I did it mainly for theft and also incase it gets damaged in some kind of car-related incident, as it's usually in the car with me on weekends/holidays etc.

Most car insurance policies will only cover you for like $500 or thereabouts for items in vehicle, which is practically useless.

I'm covered with Shannons for about 10k - everything is itemised, with serial no.'s etc.
Costs me about $150 per year, so well worth having.

Not gonna help the OP, but it could be a timely reminder to others who aren't insured yet, to get it asap.