Insurance

talk2pn

talk2pn

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I'm curious to know how many people here have insured their camera kit and how they have done it. Do you use a specialist photographer or camera insurer or have you just added it to your home contents and included it in your possessions away from home?

I've gotten a quote from Tower insurance and am now in the process of trying to find out how much it is going to add to my home insurance policy. This is proving to be an onerous task as I have to list every item over £1500...
 
Home insurance, got a separate policy added on for items over the value of £3000 (1D X) and this covers the items outside of the house when required (Lloyds insurance)

Anything valued over £1k requires original sales receipts aswell. Just shop around and see what you can get :)
 
If you are going down the home insurance route, and you either obviously sell your photography (website/Facebook page - weddings, portraits, events etc) or are submitting to stock agencies then you would be well advised to absolutely check, and have in writing that your home insurance policy covers you for business use of your equipment.

Most insurance companies will look for an out especially on high value kit - and will almost certainly check to see if you are using them "professionally".

Personally for anything serious (DSLR upwards), and given you have a 1Dx listed in your profile I'd suggest that specific photography insurance is a must to ensure that you get new for old, and equivalent model replacement. You'll get faster decisions and are less likely to get screwed over.

Again if you are working as a pro in any capacity you'll want it, and if you are working in or around people, animals or valuable property and items you'll want 3rd party liability at least - you can't get that on home insurance.
 
:bonk:
meonshore said:
If you are going down the home insurance route, and you either obviously sell your photography (website/Facebook page - weddings, portraits, events etc) or are submitting to stock agencies then you would be well advised to absolutely check, and have in writing that your home insurance policy covers you for business use of your equipment.

Most insurance companies will look for an out especially on high value kit - and will almost certainly check to see if you are using them "professionally".

Personally for anything serious (DSLR upwards), and given you have a 1Dx listed in your profile I'd suggest that specific photography insurance is a must to ensure that you get new for old, and equivalent model replacement. You'll get faster decisions and are less likely to get screwed over.

Again if you are working as a pro in any capacity you'll want it, and if you are working in or around people, animals or valuable property and items you'll want 3rd party liability at least - you can't get that on home insurance.
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Can you recommend any specific companies? My gear is far from high end in reality and its on the hour insurance for now but it could actually work out cheaper with dedicated insurance?
 
Sorry, forgot to mention that this is a separate policy taken with the home insurance which covers the equipment for business use - it's basically and itemized insurance policy, a lot of insurers will do it, they just don't mention it as they want you to insure the home etc - there's more loop holes for them to get out of if it's your home ;)
 
http://www.aaduki.com/. For me
I pay about £12 per month for £6000 worth of cover also includes accidental damage and 30 days abroad
I have heard that Photoguard can be a pain when trying to make a claim......but then I suppose every company will try to wriggle out of paying money out!!!
Dave
 
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nikonuser said:
http://www.aaduki.com/. For me
I pay about £12 per month for £6000 worth of cover also includes accidental damage and 30 days abroad
Dave
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That's not bad at all to be honest. 144 a year for that amount of kit including accidental damage is pretty good. I'm assuming they base the price on postcodes etc as normal insurance covers would?
 
I added up my kit as around £1500 insurance on it was about £45 for the year so I saw it as a wide step (especially as I had one body and a few lenses stolen last year)

It is covered on the house insurance however very generically.
 
rowey2507 said:
That's not bad at all to be honest. 144 a year for that amount of kit including accidental damage is pretty good. I'm assuming they base the price on postcodes etc as normal insurance covers would?
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Yes, presumably based on postcodes. Been with them now for about 4 years and they seem very well organised but of course the punch line comes when you have to make a claim, which so far I have not
Dave
 
I've got nearly £10K worth of kit and the wife's clocking up to around £4K and we're both covered by Photoguard. I got a good level of cover for the price and they are good when it comes to claims.

I recently dropped my 7D and damaged it, I took it in for an estimate and it came to £600 for the repairs. Once they had all the info they needed for the claim they rang me in 2 days and approved the repairs. They liased with my local branch of L.C.E. where I'd taken it and I'm now awaiting it's return once rhe repairs have been made.

That's the first time I've ever had a claim for camera gear and they covered it excellently. I have no doubt I'll be renewing my policy next time. My house insurance only covers individual items up to £1500 and I've got at least 2 items that are above that value so I needed something extra.
 
House insurance. Mine has worldwide accidental damage cover and no single item limit or need to notify them of high value items.

Anything ever used in the course of a business is excluded, but I'm OK as I never sell photographs - if people want shots of their cars I've taken while they are competing at motorsport events I'll email them a high quality jpg or three at no charge.
 
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