High personal possession insurance?

Probably a bit late in on this.
My NatWest home insurance covers all specified items above 2k on an unlimited basis.
 
stevelmx5 said:
I did mean to say. Considering you've spent over £30k on the kit over the last 18 months, it seems odd to be haggling over £500 per year to cover that kit for theft/damage ;)
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It's not like the 30k has disappeared completely, it's just changed form ... insurance is just money gone... :(

Besides what I'm haggling over is that I don't want to spend £600 on camera specialist insurance as well as home/contents (£900? total)

£600 all in isn't too bad.
 
dancook said:
It's not like the 30k has disappeared completely, it's just changed form ... insurance is just money gone... :(

Besides what I'm haggling over is that I don't want to spend £600 on camera specialist insurance as well as home/contents (£900? total)

£600 all in isn't too bad.
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I like that, "changed form". I might try that one next time my wife asks where all my money has gone and where that shiny new camera came from ;0)
 
Forgot to say, the issue I'd imagine is that most home/contents insurance will have lower individual item coverage included as most people don't have £30k invested in a small number of very high value items. You'd probably have the same issue if you wanted to insure an expensive painting etc which is deemed as 'out of the ordinary' to an underwriter. Even more so for your camera gear as most people wouldn't walk down the street swinging their Ming vase from a strap around their neck.
 
I wonder if I can get a discount if I take up self-defence

As he was going through the items, he gave individual pricing for the items to be insured - and I think I heard around £25 for one of them. Maybe they will be itemised in the paperwork.
 
dancook said:
Looking at renewing my home contents and building insurance - and need high amount of personal possession.

If I upgrade to Directline Line 'plus' they provide up to £5000 unspecified per item, but only £10,000 max possessions.

Are there any providers out there with, say, £20,000 + max possession?
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Let's start again . You maybe making an error of judgment here.

What do you mean by "personal possesions" It cannot be that the insurance company is limitting your personal possessions to £10,000 as everything in your house is a personal possession.
 
shapeshifter said:
Let's start again . You maybe making an error of judgment here.

What do you mean by "personal possesions" It cannot be that the insurance company is limitting your personal possessions to £10,000 as everything in your house is a personal possession.
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"personal possession cover outside the home" as oppose to "contents insurance"
 
I don't know who is charging you £600 for 30K gear, I'm 25K for £250 with PLi and a whole load of other stuff I don't really need but comes free?
 
As my missus is now acquiring gear at a rapid rate and Im happily upgrading where I can, the value of our kit is now causing me to look into dedicated insurance for it rather than just on the household policy.

admirable said:
I don't know who is charging you £600 for 30K gear, I'm 25K for £250 with PLi and a whole load of other stuff I don't really need but comes free?
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That sounds like something I might be prepared to pay, but working on the 'if it sounds too good to be true then it probably is' principle, any idea why they can do it so cheap rather than £500+ from other companies? And which company is it?
 
admirable said:
I don't know who is charging you £600 for 30K gear, I'm 25K for £250 with PLi and a whole load of other stuff I don't really need but comes free?
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Eversure and Photoguard quotes came in around £600

But I'm not paying £600 for 30k gear

I'm paying £600 for unlimited building insurance, unlimited content insurance, £2500 bicycle, 5k unspecified personal belongings and 30k+ specified gear.


You see my contents/building is due renewal for tomorrow, so wanted to make sure my latest photography equipment was insured
 
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Mr Perceptive said:
And what about Public Liability insurance whilst undertaking business use, if Santander are not covering your equipment for business use, it's unlikely that you are covered for publicl liability.
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I'm not sure that I need it thanks
 
Orangecroc said:
I would think you need it for even the few times you do weddings, one person tripping over your equipment could cripple most people financially were the resulting injuries bad enough.
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I'm guessing it's not me that's personally liable, but the company? The company I do the work for will have public liability insurance.

If outside of this company, I photograph a wedding for free, do I need public liability insurance? I have no business, there is no contract with me.
What about shooting live music for free
What about if I go down to the local park and take photos of flowers, put my bag down and someone trips over it..

I wonder where the line is drawn, why does everybody not have it - in case their negligence causes harm to someone..
 
Madmoggy said:
As my missus is now acquiring gear at a rapid rate and Im happily upgrading where I can, the value of our kit is now causing me to look into dedicated insurance for it rather than just on the household policy.


That sounds like something I might be prepared to pay, but working on the 'if it sounds too good to be true then it probably is' principle, any idea why they can do it so cheap rather than £500+ from other companies? And which company is it?
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See post 39
 
I wouldn't assume the company you do the work for has insurance to cover you, particularly if you are not an employee. Although you are unlikely to get mugged at a wedding, what if you drop your camera, if your car is broken into on way to/ return from the wedding say when you are at a filling station, somebody steals from you camera bag whilst you are taking shots etc. Depends how risk adverse you are.
 
dancook said:
I'm guessing it's not me that's personally liable, but the company? The company I do the work for will have public liability insurance.

If outside of this company, I photograph a wedding for free, do I need public liability insurance? I have no business, there is no contract with me.
What about shooting live music for free
What about if I go down to the local park and take photos of flowers, put my bag down and someone trips over it..

I wonder where the line is drawn, why does everybody not have it - in case their negligence causes harm to someone..
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Personally I would make sure that you have it writing that your are covered on their policy whilst in their 'employ', but that's me I like to be safe and sure. You may find that in their small print that 'contractors' are expected to provide their own cover - that would be usual. Insurance companies love passing the buck, so if they get a chance they will pass it to the next in line. Think of it like this, Member of public trips over in church onto tripod, initially contacts church insurance cover, who say it was the fault of the photography company, who in turn say it was one of our contractors, and there goes that buck......Public Liability cover is not expensive.

Regarding stuff you are doing personally, you should be covered on your house contents insurance.
 
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