September 18, 2014, 02:13:22 PM

Author Topic: Photo gear insurance?  (Read 2043 times)

mreco99

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

Thanks

canon rumors FORUM

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

justsomedude

  • 7D
  • *****
  • Posts: 336
  • Canon 5D3 and 6D
    • View Profile
    • AK Photo - Denver Photographer
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

  • 5D Mark III
  • ******
  • Posts: 647
    • View Profile
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

  • Canon 70D
  • ****
  • Posts: 267
    • View Profile
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

  • Guest
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

  • CR GEEK
  • ********
  • Posts: 14394
    • View Profile
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.
EOS 1D X, EOS M, and lots of lenses
______________________________
Flickr | TDP Profile/Gear List

docsavage123

  • Rebel SL1
  • ***
  • Posts: 81
    • View Profile
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.

Canon 7D, 6D, 100-400 F4.5-5.6L IS, 400mm F5.6L, 70-200 F4L, 1.4 EXT ii, EF100 F2.8 Macro,  40mm Pancake, Sigma 24-70EX DG F2.8, Sigma 17-35 F2.8-4 HSM, Sigma 18-50 F2.8-4 OS , EX430 II.

canon rumors FORUM

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

mreco99

  • Guest
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

  • 5D Mark III
  • ******
  • Posts: 647
    • View Profile
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

  • Guest
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

  • Canon EF 400mm f/2.8L IS II
  • *******
  • Posts: 4506
    • View Profile
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
APS-H Fanboy

canon rumors FORUM

Re: Photo gear insurance?
« Reply #10 on: November 07, 2011, 06:35:22 PM »