The physical damage coverage under the BAP is for covered autos and their equipment. There is no definition of equipment on the policy, so giving the insured the benefit of any reasonable doubt, a loss due to a stolen or damaged camper body would be covered. There is no requirement in the BAP provisions that the equipment be in or on or upon the covered auto for coverage to take hold. If it can be shown that the stolen or damaged item is equipment for the covered auto, the BAP provides coverage for that loss.

As for the CD player, a loss to that item is also covered. Since the insuring agreement applies to the covered auto and its equipment, there is coverage for the CD player since it was the equipment of the auto; this is regardless of the owner of the player. The coverage for physical damage under the BAP follows the auto and not the person.

The exclusion about CDs on the BAP has the exception for CDs permanently installed in the covered auto at the time of loss, and that is how you describe the situation here. So, the auto policy will cover the fire loss to the CD player.