Equipment Insurance..... Who do you use?

bbg404

bbg404

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Ben
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Hi im an amature photographer but will be putting all my eggs in one basket and giving up on some other hobbies and buying some more pro gear.... First im going FF so ill be getting all new lenses and a new shiney body (D750) so due to how much ill have out with me at any one time which could be close to £3k i want to know i dont have to wrap it up on cotton wool

ive never believed in gadget insurance but i really want this kit insured

Who do you use?

i havnt had a proper look about yet but over the coming weeks ill be looking properly, does anyone use Protect your bubble??

Thanks
 
My household insurance policy covers mine both in the UK and overseas on a new for old basis. You will need to check with your insurance company and see if the camera kit is already included or not. Also make sure you go for cover in the all risks section to ensure protection against all eventualities (loss, theft, damage etc). They might also want you to specify certain items of equipment if their value is £1000 or so.

Speak to your insurance company they will give you all the answers you need (including any extra charges).
 
kevshore said:
I use these. Have done for a long time now. Had one claim with them. They were superb. Paid out within 5 days. Easy claim,

http://www.imaginginsurance.co.uk/
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:plus1:

You have to remember its new for old, so it's the value of your kit to buy new, which unfortunately hikes up the price of the kit you're insuring, unless you want to take the hit. The problem is, there are several insurers that you could choose from, but you only find out how good or bad they are when you are unfortunate to have your gear stolen or damaged. Household insurance might be ok, but as I discovered, there's a limit on maximum value of a single item, total value of your kit or its not insured if stolen from a car boot, so do your research before handing over the cash.
 
I had a quick look at photoguard and they look reasonably priced - Only reason I haven't progressed is they want serial numbers of equipment over a certain value (£500 I think) and all my equipment is at home (I am at work at the moment).
I will do a quick spreadsheet of all the serial numbers when I eventually get round to it so it will be a lot easier.
 
You want to check on Photoguard. If you read the small print, they tell you that you're only insured from theft, if the items are taken by force. I.e mugging. Say for instance, you go into a coffee shop for a cuppa, and after you've bought your drink, you sit down with your bag at your side. If it's pinched then......not insured! Read the small print.
 
pete.rush said:
Household insurance might be ok, but as I discovered, there's a limit on maximum value of a single item, total value of your kit...
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Call the (household) insurance company and specify the item and it will be covered. The total value of possessions away from home can also be set at an appropriate level in the same phone call. All for a price, of course.
 
twhite87 said:
You want to check on Photoguard. If you read the small print, they tell you that you're only insured from theft, if the items are taken by force. I.e mugging.
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I haven't dealt with Photoguard, but 'force' isn't necessarily mugging. It's wider than that and can mean something like breaking in must be used to deprive you of your possession(s).
 
digital said:
I haven't dealt with Photoguard, but 'force' isn't necessarily mugging. It's wider than that and can mean something like breaking in must be used to deprive you of your possession(s).
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Breakin in to a house, then yes, it is forced entry. (Unless of course you left your keys somewhere and they were used for entry). When I queried it and asked if I was covered if my bag was taken while I was next to it. The representative told me that would not be covered. She said that 'taken by force' means exactly that. The person would have to, and I quote, 'forcibly take the items from your person or imply physical violence'.
 
digital said:
Call the (household) insurance company and specify the item and it will be covered. The total value of possessions away from home can also be set at an appropriate level in the same phone call. All for a price, of course.
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OK when you don't have much gear, but not when the maximum value of a single item was £5000 and collective £10,000 (house insurance), I have 3 items above that value (new for old) and total value of kit in 5 figures
 
pete.rush said:
OK when you don't have much gear, but not when the maximum value of a single item was £5000 and collective £10,000 (house insurance), I have 3 items above that value (new for old) and total value of kit in 5 figures
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Still worth a phone call to the household insurance. My single item maximum is ~£3000 and we take ~£8000 overall value with us when we go away. All covered on the household insurance.
 
My household insurance has a high excess ( deliberately) so I use Photoguard.
 
My house hold insurance wouldn't cover the items specifically, so I use Photoguard, but I didn't realise that about the theft clause. Might have to check elsewhere.

On another point, the other reason to get proper camera insurance is so that you as a photographer are covered if anything happens during a shoot.
 
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