I asked about this a bit back mate. I think ya gotta tell em about em seperate from your home ins. cos if somat happened to em and you try to make a claim for a £50 tune for instance..they would prob tell u to f off
Whereas if you insure them seperatly for the replacement price then they cant squirm outta it as easy. (although they will try their best)
Still not sorted mine out yet, should do really.
I know Chris (biskit) has got his insured, as have a few other peeps on ere, best talkin to them really.