Gutting accident. Some advice?
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faddius
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liam08 said:I just saw it as an option since I wrecked my lens.
Could you point me to any good insurance companies? I'm looking at adding some more lenses in the not too distant future.
I use photo guard, had one claim with them a couple of months ago, a lens ended up smashed on the floor and I'm still not sure how it happened. Either way, photo guard paid for it to be repaired very quickly and with no fuss. No excess either
modchild
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I know how you feel, the hood being on isn't a guarantee that it's not going to break, especially on the smaller lenses with small hoods, but they do at least give some protection and are more effective on lenses like the 70-200 or 150-500 as they have quite sturdy and large hoods.
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All this crying over a dropped fifty. I destroyed a D7000 and a Sigma 10-20mm
You obviously feel it ok to dismiss the OPs upset because it's ONLY a fifty and not something worth considerably more......I wonder if you would accept a similar response!
Does it really matter what the item or value is??.....if we have something we cherish and we lose/damage in some way it hurts/angers.
OP, for what it's worth I feel for you having damaged / broken my own gear before, often through carelessness. Sadly life throws these events at us. Most of us learn from them and avoid similar errors.
If you were enjoying the fity then as already said by others, for it's price i would purchase again to regain that enjoyment.
As for the insurance offer.....I'm not too sure i would pursue it....take a good look at the policy before progressing further and if needs be ask for additional advice from those in the know on here!
OP
liam08
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Thanks for your sympathy and advice. I think I will just leave and buy a new one. Their policy allows you to cancel within the year of the manufacturers guarantee. Still, it's a shame. 6 days old.
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Have you looked into this option or did you pay cash??
I've never made a claim through visa etc but might be worth a bash??!!
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liam08
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I paid with my Visa debit actually. I've never heard of any type of insurance with a debit card though. I'll have search, but I'm sure it'd be more widely known. I know credit cards have all sorts of perks.
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Well I'm ashamed to admit that even at my age i don't know how card payment cover works so I'm afraid i can't help you. I have however been advised regularly to make purchases on visa ( mine is a debit card also!) so as to have the purchase insured. I could do to read up on all the conditions myself tbh.
Hopefully someone on here can offer you some clear advice.
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ah that might stuff it then!
nonetheless if it doesn't offer help this time, it's worth learning about for the future.....not that we want a similar incident to happen!!!!
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liam08
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No definitely not, but Jessops protection isn't all that bad regardless. £28 for 3 years accidental cover is acceptable. There is no excess to pay, but their turn around time can be far too long.
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petersmart
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Well I had a similar accident to my 50mm f1.8 when I dropped it on to tarmac and nothing happened at all - it still works great with no probs whatever.
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Credit cards offer the best cover with some offering insurance against loss/damage within a given period after purchase but all come under Section 75 of the Consumer Credit act which means that if there's a dispute then they're equally liable with the retailer for anything that cost mores than £100.
Some debit cards offer a chargeback facility if there's a dispute over a purchase, but not all.
That's a very short account: http://www.moneysavingexpert.com/shopping/section75-protect-your-purchases is useful.
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Byker28i
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Lets look on it on the bright side. It's a sub £100 lens so a cheap lesson 
If you liked it, get another. I used a loan one (nifty fifty on tour) loved it, bought the 1.4 which is brilliant.
Keep an eye out for second hand as they come up quite frequently.
If you liked it, get another. I used a loan one (nifty fifty on tour) loved it, bought the 1.4 which is brilliant.
Keep an eye out for second hand as they come up quite frequently.
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I just saw it as an option since I wrecked my lens.
Could you point me to any good insurance companies? I'm looking at adding some more lenses in the not too distant future.
Ive got £5k (non proffesional use) cover on my household contents insurance with direct line - the additional cost was about a fiver which beats any specific policy hands down.
One thing i would say about the nifty is that the mk2 is a pretty fragile piece of kit (which is down to being built down to a price), I killed one once knocking it off the coffee table on to a carpetted floor. My advice would be to try and find a mk1 second hand (about £120 normally for a good one)
Also don't sweat it - accidents happen and we can't be to precious about our kit or it would never leave the house - in total in the last 18 years I've had the following:
A pentax MZS and 400mm Sigma - Rolled over a floating hide (write off - replaced by insurers)
A Canon EOS3 and 170-500 sigma - Was round my neck when i fell out of a RiB while photographing gannets (lost - replaced by insurers )
A Canon 10D and 70-300 - was hit by a large wave also on a gannet trip (Camera okay (inside plastic bag) - Lens written off , didnt claim)
A 170-500 - Hit on the front element by a cricket ball (repaired on insurance )
A 90mm Macro Tamron - Hit on the front element by a pouncing leopard (technically that wasnt killed as it was repairable but the insurers said it was uneconomic and replaced it)
A Fuji S602 Bridge camera - lens pecked through by an irate ostrich at Marwell (write off , didnt bother to claim)
A nifty - rolled off coffee table (ditto)
A canon 300D and kit lens - Dropped while shooting motorbikes from the back of a pick up truck. (Write off - didnt claim as not worth it)
Eos 30E and 28-135 IS- stolen off the front seat of my car while I was filling up with fuel (replaced by insurers)
and lastly (for now) a sigma 18-200 - front element dribbled on by a giraffe also at marwell (Girraffe spit is corrosive and totally shagged the front element coating (note self use a filter next time) ) (repaired by insurers)