I Need Camera Insurance

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Snake Man

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Andy
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At the moment I have all my camera equipment insured through my home insurance but now I've bought another camera it doesn't quite cover it all outside the house. It's a pretty big price jump to move into the next categorie so I need to switch.

The two most popular seem to be photoguard and E & L. But E & L seem to offer almost no insurance if equipment from a car gets stolen and I have seen a couple of threads recently saying how bad photoguard is. So, who else is there, and which is the best?
 
I use Photoguard, just set it up the other day.

Had E&L but cancelled it becuase their car coverage is completely retarded. Dosen't actually cover theft from a car at all.
 
:agree:
 
I'm with Photogaurd, but you could try Towergate Baker.
 
^^^ Yeah that is the sort of thing I was worried about. So thats E&L out, except for when I want temporary insurance on hiring lenses.

Chappers said:
you could try Towergate Baker.
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I'll look them up. Does anyone have any feedback on them?

But I've also seen a couple of threads recently about how difficult it is to claim from Photoguard. Hopefully I won't have to claim but ultimately this is where you need the service from them to be good.
 
Is it really necessary to get separate camera ins? I have outside the house cover of around £10k which in my calculations would cover any jewellery, watches, clothing and camera equipment that I am ever likely to have on me whenever the wife and I go outside. If I remember rightly it put my premium up about £10 from when I had £5k cover, this also included any accidental damage so just can't see how separate cover is worthwhile, or am I missing something?
 
I have just gone with Photoguard as well.
 
When I was looking, Glover and Howe seemed to offer the most comprehensive policy. And I didn't think the premium was too bad either.
 
nictry said:
Is it really necessary to get separate camera ins? I have outside the house cover of around £10k which in my calculations would cover any jewellery, watches, clothing and camera equipment that I am ever likely to have on me whenever the wife and I go outside. If I remember rightly it put my premium up about £10 from when I had £5k cover, this also included any accidental damage so just can't see how separate cover is worthwhile, or am I missing something?
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That is very similar to my current insurance. But mine has a cap of £1500 per item and when I spoke to them about it they said that photography equipment = 1 item!
 
Watch out for in car cover. I know Towergate Bakers limit this to 9PM unless the equipment is in transit.This could prove to be a problem if you are involved with shoots that go on 'till late

Also with high value equipment you may need to ensure the car is fitted with a Thatcham approved alarm system. You'll need to check your vehicle out with the Thatcham web site.
 
^^^ That is going going to be a problem. I enjoy low light photography so I'm often out after 9pm.

Maybe I'll just look at changing my house insurance to a company that is prepared to actually offer insurance without every get out clause under the sun.
 
Mine's covered under my Direct Line insurance, but I do have to pay extra, as it does count as a single article, and it's worth over £1,500.

Will probably get specific camera insurance at some point though.
 
Snake Man said:
That is very similar to my current insurance. But mine has a cap of £1500 per item and when I spoke to them about it they said that photography equipment = 1 item!
Click to expand...


I did check and nope each item is separate, I think it is a bit cheeky if they try to claim all photography is one item TBH as you may not even take all your lenses with you outside etc. Having said that even if I took my D200 and all of my 3 lenses out at once it would probably only come in around 1500 so probably not an issue for me
 
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