Insurance with no shop proof of purchase?

  • Thread starter Thread starter I spat my dummy 86922
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I spat my dummy 86922

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Anybody know where I can get camera insurance for the Fuji kit I have just bought in a private sale. Don't have proof of purchase as in a shop receipt so don't know if I would get insurance anywhere?

Matt
 
Whenever I have had to claim on insurance I haven't supplied receipts, I just take photos of my gear showing the serial numbers. Never had any problems
 
Ah thats good then. Any recommendations on a company?
 
Some insurance companies will also accept things like the manual or the original box - I think it varies from company to company.

If it's just for personal use (IE No business use), then adding the equipment to the 'all risks' section of your household insurance is often the cheapest option - but you need to check your particular policy.

Things to watch out for are individual item limits (how much an individual item can be before it needs to be explicitly named as covered), and if your camera & lenses is considered a 'collection' or 'set' - which again there can be limits on total value.

For business use you will need separate insurance, as you will need to include things like public liability.
 
There was a thread couple of weeks ago, a member said they had successfully used printouts of a buying thread here in a claim on kit.

There were also comments that someone’s claim had been reduced by 20% due to no receipt. I suspect if you search on insurance it will come up quite quickly.
 
Will the seller not provide you with proof of purchase?
Matt
 
i added my camera cover onto my home insurance policy Im covered to take out/ away from home £20K of gear and have additional/specified item cover still on my D3, D700, 500mm & 300mm primes I don't need to list items under the value of £1500.00 and i specified a nil excess in the event of a claim.
Items are covered full cost of repair or replacement.
 
I have purchased a lot of my gear s/hand and also from the forums here, and most if not all the sellers have sent or emailed me a receipt of purchase with out a problem :)
I have a spread sheet now with date of purchase cost and serial number it is also worth photographing your gear showing serial number along with receipt. I also register my gear with manufacturer if they provide that service.
You can email these to another email address for safe keeping or upload to something like flickr or drop box and keep them private.
 
Cheers all. Will have a look on the internet and insurance then and will ask them before purchasing if a photo of the boxes and serial numbers are ok.

Matt
 
i have my gear insured through my home insurance
most bought second hand as its too expensive brand new.
 
A quick question of those that have made claims on their house insurance.

I note from my insurers blurb that all risks cover is new for old.

So if I have a 5dmk3 will they replace with a 5dmk4 as the mk3 is no longer in production??

D
 
Willid1 said:
A quick question of those that have made claims on their house insurance.

I note from my insurers blurb that all risks cover is new for old.

So if I have a 5dmk3 will they replace with a 5dmk4 as the mk3 is no longer in production??

D
Click to expand...
I’d say thst if you can still purchase a new 5D Mkiii you’ll get one of those.
 
Doh! should have looked first -

"Yes, your policy is one of 'reinstatement' or 'new-for-old'. This means that all items will be replaced with the new equivalent without any deduction for 'wear and tear'.

For example, if you have damaged a 5-year-old television, we will replace it with the latest available equivalent model"

But "latest available equivalent model" could be open to interpretation.

D
 
FujiMatt said:
Anybody know where I can get camera insurance for the Fuji kit I have just bought in a private sale. Don't have proof of purchase as in a shop receipt so don't know if I would get insurance anywhere?

Matt
Click to expand...
You don't need a reciept to claim on insurance.:rolleyes:
 
Phiggys said:
i added my camera cover onto my home insurance policy Im covered to take out/ away from home £20K of gear and have additional/specified item cover still on my D3, D700, 500mm & 300mm primes I don't need to list items under the value of £1500.00 and i specified a nil excess in the event of a claim.
Items are covered full cost of repair or replacement.
Click to expand...


I would advise against opting for a nil excess; it is rarely in your best interest and can be expensive.

The question to ask is "what's the minimum amount I would be prepared to stand personally?"

Is anybody really going to make a claim for say £75 or less? If the cost of a nil excess is for arguments sake £25 p.a. what is the point of making a claim for less than £75?

I would advise a minimum excess of £75-100 and the savings on premiums will soon be recouped. Also, to be blunt, insurance companies will not look favourably on penny-wise claims and risking the loss of cover for 50 quid hardly makes sense.
 
Willid1 said:
A quick question of those that have made claims on their house insurance.

I note from my insurers blurb that all risks cover is new for old.

So if I have a 5dmk3 will they replace with a 5dmk4 as the mk3 is no longer in production??

D
Click to expand...

It's probably more dependant on availability, rather than current production (cameras are often available from major retailers for some time after the replacement model is released) - but it may depend on the individual insurance company or, as it was when we had a break in, the 3rd party company that handled replacement / cash alternative on their behalf.

When I had a break in a few years ago, the thieves took a couple of Minolta film cameras that I had lying around, part of bundles of Body + Lenses I had bought off ebay, as I wanted the lenses. I included them on the claim, thinking that I might as well get the £10-£20 they were notionally worth back - used the EBay invoice (~£50 total ) to prove purchase, and was rather shocked when the replacement company then apologised that they couldn't supply film cameras, and offered me 2x Digital SLR's (~£350 each) as replacements! (I felt it woudl be rude to decline...)
 
For those with camera gear on the home insurance does it cover you from theft from a car? I have just renewed our home insurance then found in the small print that it does not cover valuables....i.e. items likely to be attractive to tea leafs if taken from a car. My feeling is that if I was to loose camera gear it would most likely be in that scenario?
 
GaryLaird said:
For those with camera gear on the home insurance does it cover you from theft from a car? I have just renewed our home insurance then found in the small print that it does not cover valuables....i.e. items likely to be attractive to tea leafs if taken from a car. My feeling is that if I was to loose camera gear it would most likely be in that scenario?
Click to expand...

Mine does, but only if the car is locked, and in the boot (I queried, and if you have a hatchback , etc, that does not have a separate boot space, then simply being out of sight in the equivalent of the boot is OK) - but it is one of the things that will vary between policies, so worth checking.
 
I have seen some policies that do but I have never seen a home policy without limits for camera gear in cars £200 max. Check policy and remember that camera gear is NOT normally classed as 'valuables' they are classed as 'personal effects'.Check policy again as it will have a list of what is classed as valuables. I struggle to see a home policy covering camera gear in a car for more the £200.

Let me know who does it if there is one.
 
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