Photo gear insurance?

[mreco99]

Anyone recommend any good (value) photo gear insurance. Preferably in the UK?

Thanks

 

[justsomedude]

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]

Personally I found that my pre existing(UK) home insurance covered me for £2000 worth of photographic equipment.

 

[motorhead]

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]

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?

 

[Loswr]

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.

 

[docsavage123]

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.

 

[mreco99]

thanks guys, going to get a quote to add to household insurance tomorrow

 

[moreorless]

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.

 

[mreco99]

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]

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