Camera insurance?

BGilbert

BGilbert

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Ben Gilbert
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Hi Guys,
Just a quick quiestion, Im looking at getting all my gear insured, as its mounting up, and need to be sure its covered. Who is best to use?

Im ideally looking for someone who will cover new for old if I make a claim, and who can be paid in monthly instalements, I have all serial numbers ect for insurance purposes, just wondered who you all thought was best really.

I would be interested to know if you have made a claim, how did the company deal with it ect?

Thanks in advance

Ben
 
First port of call should be your house contents insurer, I got a far cheaper quote to add my gear to the "all risks" part of the policy than I did from any of the on line photo insurance quotes I got.

Just need to make sure how the insurer views bags of camera equipment as they usually have a £1500 one "item" limit.

If a bag of cameras and lenses is an item, probably not much use, but my booker put it in writing that individual pieces of kit were indeed individual as long as each one was less than £1500.

HTH

David
 
I think you want NEW for OLD, not OLD for NEW, that would be available down the pub.
 
Hi Ben,

The best piece of advice I can give regarding insurance is to read the small print for each insurer in your shortlist and compare it to your own circumstances. For example - some companies offer very low premiums but have ludicrous get out clauses should you ever be in the unfortunate position to have to claim from them *cough* E&L *cough*.

Typical things to watch out for: Theft from hatchback vehicles. It might require additional costs or may not be covered at all. Break-ins to property that isn't fitted with a certain category of alarm or type of lock or laser-tripped explosive anti-burglar device. Well alright, I made that last bit up but you get the idea.

I'll say it again - Read the small print. :thumbs:

PS - Aaduki and G&H are pretty good in my experience.
 
Photoguard seem reasonable, looking at their T&Cs. No first hand experience of claiming with them yet though (and fingers crossed I won't need to).
 
I have just had an experience where my camera was stolen in Spain. Short story camera and lens stolen (Sony A300 + Sony 18-250) from boot of car, equipment hidden within towels in boot hidden from view. Access obtained from popping lock on passenger front door opened back door and pulled down rear seat took all bags, shopping, sandles ect. They would not have known camera was within one of the bags.

Insurance claim went very smooth. Gear was covered within home insurance. As the A300 was no longer available they deemed the A500 as replacement received voucher for same, a cheque was sent out to replace lens and I was able to purchase Sony 16-105.

Overall good experience with Direct Line.

Whist looking at camera insurance from other camera insurers it would be more expensive and in this case would not have be covered! Always read terms and conditions. The reason for no cover from these dedicated insurers is access can be obtained to the boot from the front of the car.
 
May be confused.com, I did go there and got a good deal with Saga on the house insurance and the car.
 
Andy77 said:
:plusone: for photoguard
Click to expand...

If I had this insurance policy I would not have been covered.

Quote:
"For hatchback, four-wheel drive, MPV, SUV and estate cars
In addition to the requirements above:
If equipment is stored in the rear of the vehicle, a factory-fitted cover must be in place and if not available, the equipment must be out of sight.
A minimum of a Thatcham approved Category 3 steering lock immobiliser must be fitted to the vehicle."

If your renting a car you would not have these fittings, your camera would not be covered.
 
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