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I have specialist camera insurance (separate to the normal household policy) which is expensive but covers everything when away from the house including when in the boot of a car. However, even that policy doesn't cover equipment left in a car overnight which is a fairly typical exclusion - mine's from 9pm-6am for example. I think the fire started before then but I suppose people would have to prove to their insurance companies that they intended to return to the car before the cut-off time.
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