Insurance...

chahoua

chahoua

Suspended / Banned
Messages
216
Name
Jackie
Edit My Images
Yes
Can anyone recommend a camera insurance company please? I understand that I need to look closely at the in vehicle element to the policy but are there any other things I need to be aware of. Is there a need for public liability premium?

Thank you in advance. :)
 
Simontalm would be a good person to ask about this .... he lectured me for about 1 hour on it last Sunday !!!

If I remember rightly, photoguard was the company he suggested I go with.

Hope that helps.

Cheers

Anth
 
magpieant said:
Simontalm would be a good person to ask about this .... he lectured me for about 1 hour on it last Sunday !!!

If I remember rightly, photoguard was the company he suggested I go with.

Hope that helps.

Cheers

Anth
Click to expand...

An hour lecture and you're not certain of the conclusion, smooth moves :lol:
 
I'm with Photoguard, judging by the fact my premium goes up every time I add a new bit of kit, but not down when I remove one, I think I'm paying for their Christmas night out :bonk:
 
Are you / can you not be covered on your house insurance for "away from home" :shrug:
 
Glover and Howe are superb, great customer service and pay out when you make a claim
 
E and L are really easy, not too expensive and offer cover for kit left in the car..they're just well slow in canceling policies via email but that didn't really put me off the second time around :)
 
joodles said:
E and L are really easy, not too expensive and offer cover for kit left in the car..they're just well slow in canceling policies via email but that didn't really put me off the second time around :)
Click to expand...

Ahem - they offer insurance for kit left in the car, providing that...

1. They are in the boot, which is not accessible from the main compartment of the car. So hatchback? not covered (even with the cover thing that came with the car), folding rear seats? Nope - still not covered. Ah, it's okay I hear you say, I have a saloon, without folding rear seats. Surely that means I'm covered? Well, best move on to point no. 2.

2. The boot must lock independently of the car. So if your saloon with the rear seats bolted in place has central locking, sorry - not covered.

So, you're probably okay with your nice black Ford model 1, but anything built in recent times, hard luck. Of course, you may only find out when you come to claim :(

I rang them up and checked all of the above. In fairness to them, they were very clear on what was covered and what was not, so I just cancelled within my 14 days and moved elsewhere.
 
Furtim said:
2. The boot must lock independently of the car. So if your saloon with the rear seats bolted in place has central locking, sorry - not covered.
Click to expand...

Ok this may seem a little crazy but if we are talking insurance for pro's then look at electrician's or joiners... how many do you see with a built in padlock feature? I see them all the time. It seems a common thing for any working vehicle that is going to carry large amounts of gear.

Although if only using for personnel cover then I see you point.


Phil
 
Photogaz said:
I've got my stuff on my house contents. Saved a bit as its worldwide cover too compared to photoguard's UK only.
Click to expand...

Generally your house cover does not cover your gear for professional use. If something happens if you are out doing a wedding or a portrait session you will probably not be covered.
 
Before the firearms ban I had a gun safe installed in the boot of my car. Surely that would be covered even if it was accessible from the main compartment
 
For a total amateur (new SLR owner, no paid work, personal use) are there any other recommendations except photoguard.

I currently have a "tech protector" policy through my bank account -- which also has mobile insurance (seperate), extended warranty on purchases, travel insurance. However it has a limit of £1000, and so far I also have a £550 laptop on there and a couple of ipods, so it's hitting the limit.

Specifically that covers accidental damage, equipment failure, and loss and includes water damage . I could also cover loss on my personal insurance policy, not sureabout accidental damage. failure may be covered by extended warranty.

I'd need some cover when going abroad on holiday (mostly, but not all EU, max 30 days/year). Value would be max £1000

Alternative would be to find something equivilent for the laptop, then I can delete it from my "tech protector" (lifestyle group) cover.
 
I went with Imaging insurance - they changed their vehicle cover slightly this year but I put a note on my renewal document about my car and what I do on the odd occasion I leave my kit in it and they were happy this this and covered me.

I have not actually made a claim yet but nearly did last week when a swan attacked me and one of my lenses and I had the claim form within 10 minutes (email) and they were helpful on the phone. As it was I managed to get it fixed for under the excess amount so did not need to claim. :thumbs:

E&L - barge pole and touching come to mind, I have never actually used them but I know some who have for dog insurance and their low premiums are apparently balanced by their reluctance to pay out on claims :thumbsdown:
 
Thanks for all the help guys.
 
I have tried to get insurance through E&L, but they won't insure my 1Ds Mk3 as they say it is over their £6000 limit for individual items. Canons recommended price is now £8600 for the body. they also say if you quote them a value less than the manufacturers price you would be deliberately under insuring and they do not allow that. Check your policies folks. You may find it an expensive mistake if you ever need to make a claim. Does anyone know who WILL insure a 1Ds Mk3 given the manufacturers recommended price.
 
Just got quoted £166 through Photogaurd insuring £4,000 and £128 insuring £3,000.

It seems a lot? Is this about right?

That's with no PL insurance either.
 
planetf1 said:
For a total amateur (new SLR owner, no paid work, personal use) are there any other recommendations except photoguard.

I currently have a "tech protector" policy through my bank account -- which also has mobile insurance (seperate), extended warranty on purchases, travel insurance. However it has a limit of £1000, and so far I also have a £550 laptop on there and a couple of ipods, so it's hitting the limit.

Specifically that covers accidental damage, equipment failure, and loss and includes water damage . I could also cover loss on my personal insurance policy, not sureabout accidental damage. failure may be covered by extended warranty.

I'd need some cover when going abroad on holiday (mostly, but not all EU, max 30 days/year). Value would be max £1000

Alternative would be to find something equivilent for the laptop, then I can delete it from my "tech protector" (lifestyle group) cover.
Click to expand...

I'd speak to your house insurance people. My gear for amateur use only and with no equipment failure cover cost about £120 pa for £6k. Paid out when I managed to water damage my 30D and siggy 500 prime in a river estuary :'( They replaced the camera immediately on receipt of a letter from my local camera dealer writing it off and paid for the lens to be totally stripped and serviced. Luckily the lens didn't get immersed like the camera. Haven't checked the small print about gear left in a locked car though, I'll check that out tomorrow!
 
Well magpie and I certainly discussed insurance but for an an hour?? I'm not sure. Basically we were discussing the various types of insurance required for pros / semi-pros whilst driving back from an event. I was trying to persuade magpie that as he is shooting a wedding for money it would be sensible to get covered.

For the OP (and others in the market) It all depends on why you want insurance, the level of cover and what types of insurance you want.

If you have typically consumer kit and only want Equipment Insurance with in car cover and have the option of a small (£1 million) public liability cover then I would definitely recommend Photoguard - they paid out very nicely when I dropped a consumer (18-135mm) lens and don't have an excess.

If you have more expensive Pro level kit (and lots of it) and/or want professional liability cover and/or employer's liability and/or a higher level of public liability cover the Photoguard either gets very expensive or won't provide the cover. I found that Photo-shield from winsover howden to be very good and also very understanding about leaving heavy printers in the back of my estate when overnighting at an event although they do have a small (in terms of the value of the kit insured) excess.
 
Sorry to bump a bit of an old thread...but I have a related question so no point starting a new one.

I have a 400D, a 70-300mm f/4 -5.6 USM & 28-135mm f/3.5-5-6 IS USM...and will shortly probably add the 50mm f/1.8

I would like cover mainly for travel but also in the event that a rogue stone kicked up by a rally car has a disagreement with any of my kit, etc.

It's all from eBay, so I am not too sure what I should be valuing at? Also, does proof of purchase need to be provided in the event of a claim? And will an ebay/paypal invoice be sufficient?

Thanks :)
 
chrisuk said:
Sorry to bump a bit of an old thread...but I have a related question so no point starting a new one.

I have a 400D, a 70-300mm f/4 -5.6 USM & 28-135mm f/3.5-5-6 IS USM...and will shortly probably add the 50mm f/1.8

I would like cover mainly for travel but also in the event that a rogue stone kicked up by a rally car has a disagreement with any of my kit, etc.

It's all from eBay, so I am not too sure what I should be valuing at? Also, does proof of purchase need to be provided in the event of a claim? And will an ebay/paypal invoice be sufficient?

Thanks :)
Click to expand...

Call some of the usual suspects, they will be able to answer your question.

FWIW I have valued mine based on prices from Warehouse Express, but your insurer may suggest something different.
 
After having looked at the usual suspects I ended up sticking it on my house insurance. I'm covered for foreign travel, out of the house, etc, etc, and while I have a £100 excess, the increase for covering just under £4K out of the house was about £50 cheaper than the best quote I'd received from a dedicated insurance.

As to the question about whether they'd behave if I had to claim, well 2 years ago I dropped my D70, despite the only visual damage being a crack in the case, it would no longer recognise a card. My insurers sorted me out straight away and the hardest part was actually fining a Jessops within 20 minutes travel from work who had a replacement body (D80) in for me to collect (my insurer gives Jessops vouchers for claims - with items being priced at Jessops list price for the latest version).
 
i am going abroad soon, would be taking my camera and my kit with me.

anyone got suggestion for that?

I don't have house content insurance at the moment...living in a bunker with no windows and retina scanner and biometric access locks :D - just kidding
 
ricky1980 said:
i am going abroad soon, would be taking my camera and my kit with me.

anyone got suggestion for that?

I don't have house content insurance at the moment...living in a bunker with no windows and retina scanner and biometric access locks :D - just kidding
Click to expand...

I think Glover and Howe amateur cover provides 60 days Worldwide.
 
Sorry if i'm going a little off tangent but anyone with experience of student insurance covers? i haven't worked out a house insurance cover either so someplace which covers both (cameras + possessions in the house) would do! Well, most of all its got to be cheap and not have strange clauses; for e.g. my estate agents told me they couldn't make out a housing insurance cover with their insurers unless one of us (my friends and i are all students) work part time??? :shrug:
 
You must log in or register to reply here.
Back
Top