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Author Topic: Photo gear insurance?  (Read 2024 times)

mreco99

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Photo gear insurance?
« on: November 06, 2011, 01:27:17 PM »
Anyone recommend any good (value) photo gear insurance. Preferably in the UK?

Thanks

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Photo gear insurance?
« on: November 06, 2011, 01:27:17 PM »

justsomedude

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Re: Photo gear insurance?
« Reply #1 on: November 06, 2011, 01:37:38 PM »
Anyone recommend any good (value) photo gear insurance. Preferably in the UK?

Thanks

Don't know about the UK, but here in the states, I have a rider on my home owner's insurance policy for all of my photo gear.  It's only about $18 a month for coverage of all my gear - with a $100 deductible.  Premiums vary depending on if you're covering gear for personal use, or professional use.

moreorless

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Re: Photo gear insurance?
« Reply #2 on: November 06, 2011, 01:46:13 PM »
Personally I found that my pre existing(UK) home insurance covered me for £2000 worth of photographic equipment.

motorhead

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Re: Photo gear insurance?
« Reply #3 on: November 06, 2011, 02:36:21 PM »
I'm also in the UK and I've done the same as Moreorless - Added the full value to my household contents insurance. I took the precaution of providing a fully itemised and costed list, so there is one less thing to argue about at a later date.

I've not had to claim on it yet, so whether its any better or worse than purpose designed insurance I've no idea. What I do know is that its considerably cheaper.


mreco99

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Re: Photo gear insurance?
« Reply #4 on: November 06, 2011, 02:46:39 PM »
thanks for the info.

i wonder if you had to claim on a seperate camera insurance policy, would that have an affect on your subsequent home policy incurance. IE are all insurances linked some how?

neuroanatomist

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Re: Photo gear insurance?
« Reply #5 on: November 06, 2011, 04:37:26 PM »
Not sure about the UK, but yes, in the US they are linked. A claim on a personal articles policy (e.g. camera gear) goes into the CLUE database, the same as a homeowners claim, and can affect subsequent rates and insurability.
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docsavage123

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Re: Photo gear insurance?
« Reply #6 on: November 06, 2011, 05:12:05 PM »
Ive been with E&L insurance for the last 4 years world wide cover including equipment left in a vehicle.

http://www.eandl.co.uk/camera-insurance

Not had a claim yet but been ok so far. I have heard some bad reports about them regarding wedding and horse cover but nothing bad on the camera front. Still time will tell.

For a comparison you could try Photoguard Insurance via Jacobs Digital.

www.photoguard.co.uk/

They seem more costly than E and L but im sure will probably provide better cover. Like all insurance read the small print. They will do all they can to not pay out.

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Re: Photo gear insurance?
« Reply #6 on: November 06, 2011, 05:12:05 PM »

mreco99

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Re: Photo gear insurance?
« Reply #7 on: November 06, 2011, 06:09:33 PM »
thanks guys, going to get a quote to add to household insurance tomorrow

moreorless

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Re: Photo gear insurance?
« Reply #8 on: November 07, 2011, 02:33:17 AM »
thanks guys, going to get a quote to add to household insurance tomorrow

As I said I'd check your original policey first, I was looking at adding my camera gear when I discovered it was already covered up to £2000.

The advantage of specific camera insurance seems to be that it can be tailored to cover more situations and that quick on site repairs/replacement is an option.
« Last Edit: November 07, 2011, 02:35:26 AM by moreorless »

mreco99

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Re: Photo gear insurance?
« Reply #9 on: November 07, 2011, 03:11:42 PM »
Just to finish this post, house insurance was best at £4 ish a month for 5k, theft and accidental damage UK only)
I will double check what the additional cost is for nominal overseas trips

wickidwombat

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Re: Photo gear insurance?
« Reply #10 on: November 07, 2011, 06:35:22 PM »
I use AON they are global so i assume cover the UK
costs about $100 AUD per month for $30k cover on equipment that is covered world wide and includes $10M public liability you have to list all the equipment with serial numbers though
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Re: Photo gear insurance?
« Reply #10 on: November 07, 2011, 06:35:22 PM »