Camera Insurance

sophos9

sophos9

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Following from my recent urbex adventure, I had a dream last night that my Nikon D300 and lenses were stolen in an abandoned asylum

Does anyone have any recommnedations on insurance for camera kit?

Thanks
 
aaduki insurance

awesome coverage option, pro or amateur
 
I went with photoguard. As above I cant comment on how they are with claims, price wise there is not a great deal between the ones I looked at though.
 
What sort of premium do people pay (hobby not professional), and anyone have any experience of claiming. I've never bothered with specialist insurance but I make sure my kit is covered by my house contents.
 
My home insurance wouldn't cover my kit. I asked them about a couple of specific scenarios, such as travelling, and camera equipment would not be covered. Although the insurance stated £5k for items regularly removed from the house, this would not cover the camera equipment. Very dodgy wording
 
My home insurance did cover a serious accident - photographing dogs in the sea & camera dropped.. and I got an upgrade camera body no questions asked...Direct Line..:thumbs:
 
I'm thinking about giving my home insurance a call, they say they can cover special things for a slight increase in premium. Will update :)
 
I start my college course on Wed so insurance has been on my mind too.

I guess its just a case doing it:thinking:
 
To my mind kit insurance is a must, if nothing else it gives you the security of not having to fight for your kit if someone takes a liking to it.

I believe that:

House Insurance is best for tog who have a single camera and one or two lenses at the lower end of the scale D40, 400D.

Photoguard is best for for those that have a bit more kit e.g. 2 cameras with perhaps some semi pro kit D300, 50D and want the reassurance of a new for old policy without an excess that can also include a low level of public liability (1Mil). (P.S. I did make a claim with them when I used them and I found them to be quite good - although a bit slow)

Aduukki or Photoshield (winsover howden) is best for Pro togs who need coverage for a lot of kit (at least 2 cameras and multiple 1K+ lenses) including high value pro kit D700, D3, 5D, 1D and who also want a high level of PL (5Mil) and some PI and perhaps some EL insurance.
 
I seem to remember there being a few threads on here a while back about insurance - wasn't one of the photography specialists found to be a little lacking in the claim dept? They had wording which basically meant you had to drive a certain type of car, built in a certain way if you want to claim theft from your car or something?
 
I have mine as named items on my home insurance... for away from home.
This costs much less than special insurance.

All camera insurance has a limit on value if left in a car. some won't cover it for that at all.
 
Has anyone much experience of insuring secondhand purchases, or rather paying out on them. Aaduki ask for all secondhand items to be listed, yet only new purchases over £1k need be listed. Presumably that means should you need to claim for anything that was bought new they would ask to see a receipt otherwise wouldn't everyone who bought secondhand would claim they bought it new and therefore not have to list it?
 
I'm with Adrian Flux for home insurance (tenants), who are a broker (for me) to Axia. I called them today and confirmed they'd cover my camera equipment when going abroad.

Apparently my policy includes worldwide cover with a 60 day £2000 single item limit and the only named item I've specified was my camera body which I've had on the policy for some months @ £1000 (too much for a D90 but since the premium is paid, no matter). My most expensive lens is only £550 and the agent said they'd only require serials at the time of a claim. I've got note of them already of course!

So thumbs up for AF!
 
Went with E & L Insurance - £89 for a year covering up to £3500 with unlimited world wide. To go to £3500 would have been an extra £2. Thought it was a good deal. That covers my D700 and a number of lenses, flash and light meter, plus sundry items.
 
Just doing my home insurance today so after looking through the policy decided I needed some decent camera insurance.

Anyway, to cut a long story (and phone call ) short I got 5k worth of cover added to my home policy (all risks) for £37.
 
Don't go with E & L unless you are happy with the fact that your gear won't be insured in the boot of your car. (At least 99.9% of cars).
Do a search on here and have a read with a drink. ;)
I moved to http://www.imaginginsurance.co.uk/
after a non too happy result with E & L. I have so far done one claim for over £400 and it was painless and prompt. Very quick payment.

Kev.
 
welly said:
Went with E & L Insurance - £89 for a year covering up to £3500 with unlimited world wide. To go to £3500 would have been an extra £2. Thought it was a good deal. That covers my D700 and a number of lenses, flash and light meter, plus sundry items.
Click to expand...

I work in insurance and E&L are absolute shockers when it comes to claims.

My policy covers everything in my home on an all risks basis as well, so every bit of kit I own is covered worldwide.
 
Dman said:
My policy covers everything in my home on an all risks basis as well, so every bit of kit I own is covered worldwide.
Click to expand...

If you don't mind me asking - who is that with and what's the policy details and cost?
 
It's with Amlin but on a high net worth scheme, minimum of £50,000 contents. It cost me £200 but that's with commissions removed and discounts, probably £300+ through a broker. To be honest, if you qualify on the minimum sum insured, most mid to high net worth insurers worth their salt (Hiscox, Chubb, Brit etc) will give the same coverage. Just find a broker that deals in that sort of business.
 
Boldonian said:
My home contents insurance with Zurich covers me. Up to £1500 per item lost/stolen/damaged away from home ( abroad included ) . Laptops and cameras included.
Click to expand...

Out of interest, what are their terms on camera equipment left in unattended vehicles? Whilst most insurers offer the same "out of home" insurance for personal items, the key factor always seems to be unattended vehicle cover.
 
Mike.P said:
Just doing my home insurance today so after looking through the policy decided I needed some decent camera insurance.

Anyway, to cut a long story (and phone call ) short I got 5k worth of cover added to my home policy (all risks) for £37.
Click to expand...


Same here, cost me £40 to add £6000 cover and it proved worthwhile a few months later having just painlessly settled a claim for a dropped 50mm 1.4 plus Hoya pro filter, the new replacement arrives in a few days:).
 
To those with home insurance which covers cars - have you double-checked all the conditions of this cover as many seem to have all manner of exclusions.

Would be interested to hear from anyone who's insurance categorically covers equipment left in cars overnight as I'm renewing mine now and such cover could well swing any decision.
 
It's hard to get a definitive answer in some instances as although you can easily get told specific exclusions, some will only suggest 'claims will be considered on the specific circumstances at the time'. I was going to arrange seperate cover but having spoken to Zurich where I have my home contents cover they seemed happy to suggest my photo gear was part of my already extended personal possessions unless and single item, exceeded £1500. In the end I felt I would be paying £100-150 for seperate cover almost for nothing.
 
Hmm, not ideal having to clarify such things with them verbally as they could deny everything when the time comes to claim. The actual policy wording always seems to be vague or have shedload of exclusions in it :(
 
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