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That's fine, but your earlier post gave the impression you hadn't listed your equipment or told them that you use them trackside.
The location of an incident is important when making any claim on any policy, so droping it at a pond is significantly different from being trackside, Is dropping it at the pond because you were bumped into by someone? Was the lense dropped by you trackside as you scrambled out of the way to avoid being speared beind the tyres by an errant car? Location and cause of the drop are important and as an assessor I would look at and consider all variables when deciding if a loss is covered by the policy.
As for being abroad, do you declare on your travel insurance that you are working as a photographer in foreign countries? Or do you have seperate liability insurance?
Insurance companies rely on people being daft and lazy, you obviously aren't in that category, unfortunately not everyone bothers to declare individual items or events on their policies.
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