CAMERA INSURANCE

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iron maiden

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iron
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does anyone know any good company's i can insure my camera and lenses please,


thank you,
 
Original Poster said:
A lot of people recommend adding it to your home insurance due to the very low cost.
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:plusone:

Just make sure the all risks part covers what you actually want. For instance my cover from a locked car is only £1K so I can't really leave my bag of gear in the car at a motorway service area. If it gets nicked the cafe I'm OK though :shrug:

David
 
Something I have been considering, though photoguard seem to be quite expensive. I'm going to give my house contents insurer a shout, though whether you get similar benefits who knows :shrug:
 
When I phoned my home insurer the said they'd cover my kit anywhere, to a max value of £1500, with no increase in my policy.

Luckily (or rather, unluckily!) my kit is worth less than that so I'm covered for free. I'm not sure how much it'll increase once I get my first L lens though...
 
Looking at this thread makes me think i should do something about my kit,value soon starts to mount up when you keep adding more lenses etc.
 
Photoguard for me, i also made a claim to have my D90 repaired, paid up no problem, very easy to deal with.
 
I think if you have a DSLR worth more than £200 you should get it insured. I'm in the process of doing it right now.
 
sorry for everyone thats read this boring story before:

i used photoguard for my camera (and their sister company cycleguard for my bike).
Both times they wriggled out of the claim when i had £2500 worth of camera gear nicked, and £300 worth of bike nicked.
needless to say i wouldnt recommend them.. they werent even that cheap anyway.
 
Gary said:
sorry for everyone thats read this boring story before:

i used photoguard for my camera (and their sister company cycleguard for my bike).
Both times they wriggled out of the claim when i had £2500 worth of camera gear nicked, and £300 worth of bike nicked.
needless to say i wouldnt recommend them.. they werent even that cheap anyway.
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But insurance companies have strict rules when it comes to loss/theft. It's too easy to say it was stolen when it wasn't.

And if they weren't that cheap, why did you go with them?!

Anyway, guess I'll know what they're like if/when I have to make a claim.
 
jabbermack said:
have you tried EOS magazine?
They cover £2000 of equipment for £50 a year.

http://www.eos-magazine.com/insurance/index.html
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£2,000 ? Let's be serious about this, for most people on here £2k is nowhere near enough coverage. For a keen amateur I have a fairly modest set up consisting of:

7D
Canon 70-200 f2.8 IS
Canon 17-55 f2.8 IS
Sigma 10-20
Canon 85 f1.8
Canon 50 f1.8
Canon 430ex II

Combine that with all the other bits and bobs and the replacement value is getting on for closer to £5k. Sometimes I don't really think that we realise the value of what have (or maybe we're scared to !).

Steve

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Jelster said:
£2,000 ? Let's be serious about this, for most people on here £2k is nowhere near enough coverage. For a keen amateur I have a fairly modest set up consisting of:

7D
Canon 70-200 f2.8 IS
Canon 17-55 f2.8 IS
Sigma 10-20
Canon 85 f1.8
Canon 50 f1.8
Canon 430ex II

Combine that with all the other bits and bobs and the replacement value is getting on for closer to £5k. Sometimes I don't really think that we realise the value of what have (or maybe we're scared to !).

Steve

Sent from my iPad using TP Forums
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That's as maybe, but the person asking the question may not have more than £2000 of gear.
 
I have around £7500 worth of kit and my house insurance covered it for an extra £50 a year, accidental damage and outside the house loss/damage as well.

It's worth asking. I offered a list of serial numbers, sent a photo (by email) of all of the kit as proof I had it all.
 
I'm in the process of redoing my home insurance just now.
Most policy's have a single item limit of £1500 I was assuming that that would equate to £1500 body, £1500 lens 1, £1500 lens 2... Well you know where I'm going, so as long as no single part is more than that limit all I have to do is ensure the total amount is about right. Yeah?
 
No question, Glover and Howe. Just going through a claim with them now and the process has so far been trouble free.

Been with them for years. Best thing is they cover you after 9pm in your car, so if you are driving back from a night game and stop for a coffee, you will still be covered.
 
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Photoguard currently has 10% discount.

I personally don't require theft insurance so I just bought insurance for accidental damage and breakdown for 3 years from Squaretrade.
 
My home owners policy will cover anywhere and anyhow, but you can't be professional. You can have a hobby but never get paid.
 
It's worth checking on your policies (home policies that is) if you have a limit of £1500 (example) and you take £3000 of kit in a bag with you and it's lost/stolen/dropped in a river that they don't consider the bag full of kit as "1 item" and therefore only pay out £1500.
 
Mine is on my home insurance. Any amount of gear covered provided I don't exceed the total contents value I am insured for, no need to notify them of any specific items, accidental damage, away from home cover etc.

This is all on a strictly personal use only basis, so if I accept money for one photograph I would have to get separate insurance.
 
towergate camerasure in hampshire first class service and when i had a claim approx 6 years ago sortted no problem
 
onomatopoeia said:
This is all on a strictly personal use only basis, so if I accept money for one photograph I would have to get separate insurance.
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But to play devil's advocate........

Surely the non-professional use only applies if you make a claim for loss/damage that occurs while you're doing a paid job?

For instance, you're not professional photographer but someone asks you to cover their party/event and gave you cash to say thanks.

A number of weeks/months later you're in the park with your family and someone thieving git takes your gear, are you saying that your insurance company wont pay up on the basis that you have been previously paid for taking pictures? That doesn't make you a professional photographer.

Unless you're doing photography as a full-time occupation I don't see how an insurance company would know that you may have received recompense from the odd shoot here and there?

Perhaps the distinction might be if the equipment is purchased for business use (ie you offset it's cost on your tax return) you could be on dodgy ground?
 
Dune said:
Try https://secure.eandl.co.uk £12 a month for £4500 of gear, worldwide, accidental and unattended car cover
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Read the small print and have a search on here about E & L. ;) I've been insured by them. For a short while. Until I found out that most cars aren't covered. Absolute waste of money.
Unless they have finally chnged the policy. :shrug:


Kev.
 
Nope still as daft as it used to be:

8. Storage compartments in vehicles must not be accessible from the driver’s area; or opened by electrical or mechanical devices within the passenger section; or accessible by removal of a panel, shelf or partition.

When I enquired with them about this, they also added that on a normal saloon car, your gear is not covered if the boot can be opened via central locking.

So, all modern estate cars (my Range Rover included) aren't covered and most saloon cars aren't covered. But a MKII Jag is!
I spoke at length to the advisor at E & L and he agreed that most modern cars aren't covered.
Madness.


I moved to imaging insurance and have had a pain free claim from them. (accidental damage) But at least my gear is covered in the car now.


Kev.
 
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I am with Aduki and i asked them about 2 points in the policy, i have it written in that i have 24 cover in the car and also that my Volvo XC90 is covered as it has a material pull out parcel shelf, so not secure in the slightest.

They added both in at a cost of about £20 for the year i think, so as long as i have my load cover out it is covered.

Mac
 
Ive just done a quote with Aduki, and it states I am responsible for the first 25% of any claim of theft away from home, the sum to be insured is £4000, therefore my excess is at least £1150 !!!!
 
I've with PhotoGuard, I think they're pretty reasonable :)
 
Thanks to this thread I've just made sure my camera is covered on the home insurance. Thanks for the reminder.

On the down side I've just totalled up the cost of all my current equipment!! EEK! ;)
 
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