Paul, Owin and anyone else who's interested.
I basically needed cover for over £35,000 of kit in two locations with public liability, professional indemnity, legal cover, europe/boot of car cover etc.
Morgan Richardson - will only cover one location
Photoguard - will only cover up to a limit of £25,000
Towergate - quoted £690, but said I should get back to them if I got a better price (ye, right - why not just give me a honest, decent price in the first place?)
Aaduki - I left a message with reception saying I was after a quote, I was told someone would call back but it never happened. (If they can't be bothered to call back for potential business I can't imagine they'ed be interested calling back if I needed to make a claim so they were deleted from my list!)
Risk Alliance (new owners of the Photoshield brand name....) - quoted £380
After much discussion of detail (and considering the impending re-newel date along with the contents of my wallet) I came full circle and went with Risk Alliance.
Hope this helps.