canon 70-200mm f/2.8 mkII LOST!!

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Hi, i have lost my canon 70-200mmf/2.8 is usm mkII lens, [i know dont ask:bang:] i am putting in a claim on my home insurance, the claim has been past over to i-val from aviva, but after reading about them, i am conserned that they are going to try to offer an alternative[cheaper] model/brand i have sent them a receipt that i have for the lens bought in jessops for just shy of £1900 along with other kit totaling £4160 in sept 2010, my question is if they do try to offer an alterative what should i except, or do i stick to my guns and tell then i want that exact same lens.

what would be a good alternative to this lens.
 
I hope you have told them about all your gear?

Not wanting to get you worried but Aviva refused a claim recently in very similar circumstances as there is a clause in the policy that states,

'If you do not tell us about any item, set or collection worth £4000 or more you may not be fully covered in the event of a claim'.
 
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First thing that springs to my mind is how do you know it's "Lost" and not "Stolen"?

Guess I could "misplace" a Lens around the house but doubt I'd lose one, when out and about though I'd probably have a better idea where it went missing which would in some cases ponder the above question.

My home policy has similar clauses as has been pointed out, items over a certain value must be declared on an individual basis which is logical given that not a lot of people would have a £3k camera body or watch etc.
 
Yes but have you just lost the lens or the whole lot..

If just the lens that's not near 4000
 
The way I read it the OP is claiming £1900 for his lens, its just there is other stuff on the same receipt, so he should be ok on that score.

I would expect a replacement item or enough money to buy one, there aren't really any alternative lenses out there are there ?
You wouldn't accept a fiesta as a replacement for a Ferrari would you ?
 
i guess it may have been stolen, but i dont know for sure, my home insurance covers individual items away from home upto £2500 per item,i am only claiming for the 1 lens so it should all be ok.
 
No, you're missing the point, have you told them you have kit collectively worth thousands?
 
i haven't got a clue how or where it was misplaced/stolen lost etc but i do know that who ever has now got it, wont hand it in to the police,

i had been out all day at hunstanton beach and went from there through to heacham than to thetford forest taking all sorts of shots, i did stop for lunch for about 40 mins or so, but it could be anywhere, i cant figure out where i would have lost it etc.
 
admirable said:
No, you're missing the point, have you told them you have kit collectively worth thousands?
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I'm with Aviva, precisely because they don't have any single item limit. They do NOT have a "set" or "collection" limit (at least not on my policy - and mine is a standard Aviva policy). They insure up to the sum insured and will pay new for old on that on anything covered. I have checked this a number of times when I have renewed over the years.

What they do have is a "Valuables" definition. That is defined as: "Stamp, coin or medal collections, pictures, other works of art, items of gold, silver or any other precious metal, jewellery, watches and furs." This is limited (again on my policy) to £1500 per item.

They do have a "personal belongings" clause which is for things you regularly take out of the house and cameras come under this. You need to get insurance that will cover everything that will be away from the home with you under that (i.e. I recently raised that limit to £5k when I realised how much I actually had in a rucksack once with a 5D2, 450D and 3 lenses and a flash...). There is no single item limit on this either (other than you are still pegged by your particular "valuables" limit).

If Aviva were refusing a claim based on a set, I'd ask them to show me where in my policy that limit applied. If they were refusing because someone was under insured on "personal belongings", that would be a different matter.
 
Aviva policies are obviously all different then as your single item limit is £1500 and the OP's is £2500.
 
Is there a clause in your policy which says you are required "to take all reasonable precautions to avoid loss or damage" (or similar)? There is in mine. If so, you might struggle to explain to the insurers how you complied with this.
 
admirable said:
Aviva policies are obviously all different then as your single item limit is £1500 and the OP's is £2500.
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Mine is the default amount - £1500. I think you can specify what you want though and they will tailor the policy accordingly as this is printed on the schedule rather than the booklet. The idea is the same though, the only limit is on valuables, nothing about sets or collections...
 
Im with Aviva, washed my iPhone in my jean pocket, I was refered to I-Val who IMO were really good and quick. They offered me a replacement phone from Nokia and Samsung I said I prefered cash so they sent me a cheque was all done and dusted in a week.

Seriously though a £1500 lens and you could have left it lying at your ass?? Don't mean to be harsh but thats just careless.
 
Obviously I dont know the exact circumstances, but (from what I've read) I'd be a little skeptical if I were a claims handling agent for the company;

"I think I lost my 70-200 2.8 II somewhere on the beach, not sure where, or it may have been stolen. Can I have a new one please?"...

The lens is quite a large heavy beast and I'd certainly notice my 70-200 2.8 if that were to suddenly dissapear from my bag!
 
Would not looking at the exif give you a idea of the last pic that you used it on and therefore where you last used it.
 
StewartR said:
Is there a clause in your policy which says you are required "to take all reasonable precautions to avoid loss or damage" (or similar)? There is in mine. If so, you might struggle to explain to the insurers how you complied with this.
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This.
Also Admirable is quite correct, not all companies/policies will reject for 'under insured' however if the wording at the beginnin of this thread is correct this one likely can.
It matters not if you are claiming the total, if the policy explicitly states you must declare collected value that is the clause that allows under insured excuses.

Why do you think the net is full of complaints by people saying they feel it unfair they were refused their claim in the exact same way, the unfair part is they failed to realise that their policy was worthless if they did not comply with the conditions, regardless of amount of the claim made.

Sad but true.

Unfortunately I also think any assesor worth his salt would dismiss such a claim, without a crime number, since it has not been lost in a believable manner, e.g. overboard or something then theft is the only genuine possibility for a claim and that would need a crime number. :'(

For the OP sake I hope to be proven wrong, he appears to be from my area so will be keeping an ear/eye out for any local 'bargains' and letting him know if I see one.
He may have been careless but that does not excuse the scumbag that took it.
 
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thanks for all your replies, where are you from then b1ts? you say i am in your area, if you could keep your ears and eyes open mate that would be great.
 
Am nr Newmarket, Thetford side of, usually ambling about the same areas you said you were at, hence my comment, I would aslo say keep an eye on ebay/freeads/ other and give your serial number to as many camera shops in these areas you can find a number for as much more likely some pleb took it than a photographer that would keep it?
Also make sure to contact cashconverters as this is quite a possibility for offloading it I would suspect, without the serial reporting they could be unaware and AFIK they are not absolute in checking proof of purchase in all cases.
 
Donki said:
Im with Aviva, washed my iPhone in my jean pocket, I was refered to I-Val who IMO were really good and quick. They offered me a replacement phone from Nokia and Samsung I said I prefered cash so they sent me a cheque was all done and dusted in a week.

Seriously though a £1500 lens and you could have left it lying at your ass?? Don't mean to be harsh but thats just careless.
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I wouldn't be so understanding if they offered me a Nokia for an iphone,did they give you the full value?
 
There is another thing to be concerned about with insurance companies with certain wording. Sometimes they have a statement that says something to the effect that an item has to be comsidered as part of a whole if each item cannot work by itself, so, your lens has to be considered as part of the camera as it cannot work by itself without a camera. Therefore, your maximum claim has to include the camera, so, whilst the lens may be worth "only" £1900 and you say your home insurance covers individual items away from home up to £2500 per item, but the lens and camera may be considered as a whole as one cannot work without the other and thus go over the £2500. Might be worth a check.

I have run into this with some insurance companies with regards to stereo/home theatre equipment and other similar things (camera equipment) where each item has to be considered as part of the system as they cannot work individually and thus must be insured as a whole. They then say that they will only insure to a maximum of, for arguments sake, $5,000 (I'm in Australia) for an item, but that item is considered the whole system together, but the stereo/home theatre may be worth way more than that as a whole.

You've really got to watch the *******s.
 
I'm interested to hear about where you get with this. I'm with Aviva and to think they might fob you off with a lesser lens will make me think about my insurance with them.

I have to echo what others say about losing it, although I guess you have to have been there too.
 
admirable said:
No, you're missing the point, have you told them you have kit collectively worth thousands?
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When I bought my 70-200 I was worried about insurance so called my provider, M&S. They said my kit was not considered a collection or set, but individual items.

Thinking back, I'm not sure I got it in writing, or the name of the agent. :worried

I know policies vary, but generally speaking, the idea of insurance is that it puts you back in the position you were before the loss. So that means giving you the same lens, same age, same condition, etc. If it's new for old, then even better. But giving you a different/lesser lens? Surely not!

Edit: I thought I had it somewhere. This is the reply I got from my question to M&S, which was passed to Axa (underwriters?).

25 November 2010

Reference: Home Insurance

Dear Mr Sponge

Thank you for your Marks and Spencer enquiry dated 20 November 2010

In regards to camera equipment, these item would generally be classified as individual items. Camera equipment would only be classified as a collection if the theft/loss/damage to one particular item would affect the value of another item. If this is not the case, then your items will be classified as individual items.

Please accept my apologies for the delayed reply.

If you have any further questions please contact one of our Customer Services Representatives on 0800 121 4070 so we can assist further.

Yours sincerely

Phil Mann

Marks and Spencer Home Insurance Team
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The above may not help the OP, but I think it's worth adding to the discussion. :thumbs:
 
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Lance B said:
There is another thing to be concerned about with insurance companies with certain wording. Sometimes they have a statement that says something to the effect that an item has to be comsidered as part of a whole if each item cannot work by itself, so, your lens has to be considered as part of the camera as it cannot work by itself without a camera. Therefore, your maximum claim has to include the camera, so, whilst the lens may be worth "only" £1900 and you say your home insurance covers individual items away from home up to £2500 per item, but the lens and camera may be considered as a whole as one cannot work without the other and thus go over the £2500. Might be worth a check.

I have run into this with some insurance companies with regards to stereo/home theatre equipment and other similar things (camera equipment) where each item has to be considered as part of the system as they cannot work individually and thus must be insured as a whole. They then say that they will only insure to a maximum of, for arguments sake, $5,000 (I'm in Australia) for an item, but that item is considered the whole system together, but the stereo/home theatre may be worth way more than that as a whole.

You've really got to watch the *******s.
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I would think that would apply to somthing that was part of a whole,ie a pair of speakers that is part of a system and also the speakers were lost/stolen.in this case the lens could be paired with any camera,if they did go down that line it would be hard for them to prove which camera,a pair of sony speakers missing from a sony system would be hard to treat as a single object.
 
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