Best Photographic Equipment Insurance?

Treesie said:
I'm with Photogard, including PL, £6k cover with £200 small items, cover in the car etc £220 a year
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That seems a bit pricey to be honest. I pay around the same for £10k worth of gear, that covers everything. I say try Aaduki (I think this is how you spell it).
 
I have claimed with Photoguard and found they were very helpful - I even posted a review in the Reviews section for anyone who is interested to look.

http://http://www.talkphotography.co.uk/forums/showthread.php?t=51802

The thing to remember with all insurance companies is to read the small print and to compare like with like. The most likely areas you'll want to pay special attention to is high risk sections (like overseas travel or in vehicle cover, especially at night).

Photoguard do not have an excess (unless you volunteer for one) but they do have a minimum claim value, so when I dropped my 18-135mm they replaced it and the filter within a month (OK I had to chase a little) at no significant cost to me (I did have to pay to send the broken kit to them for them to assess it, but it was still cheaper than a £100+ excess). Also with photoguard you only need the Pro cover if you earn over 50% of you annual income from photography or want greater than 1Millon Third Party cover.
 
What we need is a sticky thread which people can post their CLAIM experience with the different insurance companies.... Of course, it does rely on people actually reading the thread properly and not just posting "I'm with XYZ insurance they were very nice and the policy is cheap" - or any post like that to be removed. That way, we can get a good idea of which companies are claim friendly and which are not.

Mods?
 
OutLore said:
What we need is a sticky thread which people can post their CLAIM experience with the different insurance companies.... Of course, it does rely on people actually reading the thread properly and not just posting "I'm with XYZ insurance they were very nice and the policy is cheap" - or any post like that to be removed. That way, we can get a good idea of which companies are claim friendly and which are not.

Mods?
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So how many times have you actually claimed off any insurance? as long as you stick to the provided criteria and do not try any dodgy claims you wont have a problem, of course it doesnt hurt to read the fine print.
 
Impartial-Witness said:
So how many times have you actually claimed off any insurance? as long as you stick to the provided criteria and do not try any dodgy claims you wont have a problem, of course it doesnt hurt to read the fine print.
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But that's the point - it's not until you make a claim that some of these "criteria" come out into the open.

Take the issue above regarding what type of car is covered and what is not - for a lot of people who don't necessarily know a lot about cars, they might not be aware of the fact that the car they drive is not acceptible to the insurance company...

Are you going to ask them about every conceivable set of circumstances when you take out a policy?:shrug:

I agree with reading the fine print - however they do normally put it in a language that isn't always that easy to understand....:rules:
 
Quick question:D

Can you claim if you don't have the receipt for your camera, lens etc

I have photo's of my gear but have misplaced the receipts after moving house 3 times in two years:nono:
 
Glover and Howe were happy to see photographs including the serial numbers of all my hardware for proof of ownership.
I have read accounts of them paying out happily, and it was enough to satisfy me. Their customer service is also very, very good. I also like the wording of their contract.
 
Blapto said:
Glover and Howe were happy to see photographs including the serial numbers of all my hardware for proof of ownership.
I have read accounts of them paying out happily, and it was enough to satisfy me. Their customer service is also very, very good. I also like the wording of their contract.
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Thanks for quick response:clap:

I've been taking my time and studying t&c's, exclusions and I even rang E&L and laughed out loud at what they don't cover:lol:

If you pay by direct debit you can't claim for the first 2 years and 1 year if you pay up front

Does anyone else know of any scams like that?:thumbsdown:
 
Don't touch E&L:

Linky 1 with more links inside

Quote from a thread some time ago:

Hacker said:
DO NOT USE E&L, they are a bunch of shysters and they take way too long to pay out, if ever. This is not just with camera equipment, but golf gear and equine insurance as well.

I quoted this example on here a few weeks ago but I don't mind repeating it. If a horse owner is insured with E&L I know personally of two local equine vets who insist that the customer pays the vet directly rather than the vet claim through the insurance as usually happens. This is because of the major problems they have trying to get E&L to pay out. My wife is a member of an equestrian forum and you should see the abuse they get on there. I also know a few golfers who have been stung by E&L so I wouldn't go near them.
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Another link
 
I was insured with Glover and Howe. I dropped my D2X with 70-200 attached. Repair cost around £450 and G&H paid up without a problem.
 
Subject to filling in a form and faxing it off to Glover and Howe, I'll pay £125 for a year from now, to cover:

Nikon D300
Nikon D50
Nikkor 70-200 VR
Nikkor 18-200 VR
Nikkor 50mm f1.4
Sigma 18-50 f2.8 HSM
Misc. items with a value of £150 or less, per item.

It includes upto 60 days per one trip of worldwide cover, accidental damage, new for old, and theft from a car.
 
just about to put my new 5D Mark II on the insurence.

but I have a question has anyone claimed through photogaurd?
its not a big problem but my kit lens for the 400D has broke and will not focus at all.

I think it had too many knocks, is it easy to claim through this insurer?
 
I've been with Glover and Howe for 5 years and have had 2 claims both which were handled without any major problems :thumbs:
 
Glover & Howe. Great value, very good cover.

I'm just about to renew with them for the 4th year!
 
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