Ians, what are you insured for according to your policy document? A seven year old digital camera and the screen packs up might reasonably be considered fair wear and tear.

I just bought a couple of new Nikon 10 megapixel cameras with half decent optics and optical zoom for under R600.00 each (vat inclusive). The price of basic digital cameras has dropped significantly in the last year or so, I wouldn't claim insurance for one of these because they'll pull my pants down when it comes to next years premiums.