Can't help you with UK law, but in the US, I was able to increase the insurance coverage on my stereo stuff from the default $500 to about $3000 by paying an extra $36 a year. My original coverage was good for anything in original factory locations; any additional equipment was not covered, so I paid the extra $3 a month to cover everything.

tanstaafl.

"There Ain't No Such Thing As A Free Lunch"