sorry camera insurance

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formula400

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lewis
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right i tried search and did't find what i wanted, what camera insurance is good??? i want to insure my 5dm3, what i am after is if i get mugged as well as the normal stuff, at time's I've been to some dodgy place's to get shots, and sod having to replace a 5d.

cheers
 
Got mine on my home insurance. Covers accidental damage and theft outside the home. Costs me £140 for the year for the whole lot (home+camera) up to a total of £30,000 I believe, with a sum of up to £5000 for my current camera gear, contents only though. Towergate insurance.
 
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My home contents insurance policy only covers up to £1500 on individual items so I needed separate insurance. I went with Photoguard and it cost around £300 a year for around £10K worth of gear. I dropped one of my camera bodies rercently and did £600 of damage. Insurance covered it and sent payment by bacs straight to service centre for speed. It took longer to get the camera repaired than it did for the payment to be authorised. I'd recommend them to anyone.
 
if your looking to earn money and need a business policy AVOID cliik insurance
 
ferret1981 said:
if your looking to earn money and need a business policy AVOID cliik insurance
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Why ?

Loads of people n here have had great service from cliik

the only one i'd avoid like the plague is E&L
 
ferret1981 said:
if your looking to earn money and need a business policy AVOID cliik insurance
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The biggest piece of misinformation I've read on here and that's saying something :thinking:

Give them a phone and make your own mind up, but I found the service excellent. can't say I've made a claim though
 
Thats a pretty stiff claim - can you prove they lied to you ? if not you could wind up being sued for defamation

That aside okay you've had a bad experience , - however one swallow does not a summer make. Others have had good experiences (including claims) , it doesnt mean that people should avoid them at all costs, just that they need to take a balanced view.
 
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BruceMo said:
The biggest piece of misinformation I've read on here and that's saying something :thinking:

Give them a phone and make your own mind up, but I found the service excellent. can't say I've made a claim though
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Yeah, your view may change once you make any claim, there service to you so far is taking your money, everyone is excellent at that:)
 
ferret1981 said:
EXACTLY! Don't comment then, forget about them being friendly and acting like your mate on the phone when selling you a policy (this fooled me too!) this is a big smoke screen.
When you put in any substantial claim cliik ignore/do not want to speak to you and also do everything possible to not pay out including lying to you. I HAVE PROOF OF THIS AND WILL POST EVIDENCE IF YOU DO NOT BELIEVE ME!!!

Look there is plenty of people saying positive things about cliik on TP however most of these are people who found Mr Beveridge friendly on the phone and cheap etc. none of them mention being payed out on serious claims.
I am just balancing this out, my experience was terrible, stressfull and made my life a mysery for 6 months with no gear.

Don't let peoples personal recommendations cloud your judgement do your own research.
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Ok, post your proof if you like.
I'd be interested what the details are as I may be very wrong, but I found the contact with the company excellent and I'm pretty sure this is the first report of problems with a claim I've seen, hence my comment
 
Ivan S said:
Yeah, your view may change once you make any claim, there service to you so far is taking your money, everyone is excellent at that:)
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Actually Ive had a claim with Cliik - I had a lens damaged at a wedding - they arranged a very quick diagnosis that it was beyond economic repair and paid for a replacement within 4 weeks

no muss, no fuss and exceptionally good service including comms throughout

Very different to my experience with some other insurers
 
BruceMo said:
Ok, post your proof if you like.
I'd be interested what the details are as I may be very wrong, but I found the contact with the company excellent and I'm pretty sure this is the first report of problems with a claim I've seen, hence my comment
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Ferret has removed his posts - I guess the 'proof' that they 'lied' isnt going to be forthcoming
 
big soft moose said:
Actually Ive had a claim with Cliik - I had a lens damaged at a wedding - they arranged a very quick diagnosis that it was beyond economic repair and paid for a replacement within 4 weeks

no muss, no fuss and exceptionally good service including comms throughout

Very different to my experience with some other insurers
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I have no idea why you are directing that at me, I was merely pointing out that everyone is good at taking money, as the poster said he had not made any claim, yet backed the insurance from the service they provide:thinking:

It's good you had a positive claim though and will help the OP.
 
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Ivan S said:
I have no idea why you are directing that at me, I was merely pointing out that everyone is good at taking money, as the poster said he had not made any claim, yet backed the insurance from the service they provide:thinking:

It's good you had a positive claim though and will help the OP.
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Not directed at anyone in particular - just saying I've found them postive both before and after a claim.
 
Ivan S said:
Yeah, your view may change once you make any claim, there service to you so far is taking your money, everyone is excellent at that:)
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It may, it may not
But I got a good policy with extra cover for certain situations than your average cover
I dont see how a company can just ignore a claim, so I'm maybe stupidly expecting the same level of service as my initial contact if a claim arises and I've not seen any such stories around the forums
Not everyone is excellent at taking my money, as I wont give it to just anyone. I got a good personalised policy, after much conversation discussing photography in general, where and what I shoot in general, travel, plenty "what if" information and I perceived enthusiasm in what he done and I like that he understands my business
This is why I suggested the OP talked to him personally
 
big soft moose said:
Ferret has removed his posts - I guess the 'proof' that they 'lied' isnt going to be forthcoming
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Can't say I'm sorry about that. I trust people on gut instinct, hate it when its wrong, and I found Steve a real nice fella
But I've been wrong before :suspect:
 
Ivan S said:
Yeah, your view may change once you make any claim, there service to you so far is taking your money, everyone is excellent at that:)
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Thanks bruce i think this is all I was trying to say, I just went on a bit of a rant they caused me hell of a lot if stress. Look I'm no insurance expert or lawyer that's why I removed my posts. I kind of knew the Beveridge bandwagon would gain momentum and people would turn on me for sharing my experience. I was just offering an alternative opinion to what people usually get on here.
A substantial serious claim isn't in my opinion a damaged lens. I am talking replacing all your kit, it's not a pleasant experience when your claim isn't in my opinion handled sympathetically.
If people feel they need to justify their selection of an insurance provider by telling me that their phone conversation and receiving their paperwork was a pleasant experience then that's fine!
Ill end this post on a positive, cliik's underwriters catlin were very proffesional always answered my calls and responded to queries within the timescales provided.
 
I'm still interested in hearing about your claim problems and I'm sure if it was a horrid experience , you may like to share it with the forum so we all know the truth
I'm not sure what this Beveridge bandwagon is and to answer your patronising comment, I dont feel I need to justify anything to you regarding my insurance cover choices.
You made some pretty strong claims about your experience, so let's see the evidence please
 
Again I'm just getting my opinions across. If it means getting dragged in to arguments over exact details I have better things to focus my time on now than de-personalising documents, images and e-mail trails then posting on here just to satisfy peoples curiosity. The facts are I am not without faults either, I too made a stupid careless mistake in December and I have only just had my kit replaced. If everyone thinks this is efficient handling of a claim then fine it's your pennies spend them where you like. I'm expressing my personal opinions about a company which is what these forums are for. This is one negative comment of many good ones take from this whatever you want.
 
Ok, not looking for an argument or prying for personal curiosity, I'd like to hear facts regarding how insurance companies deal with problems, especially the one I chose to deal with
The above post is a big change from what you said and I quoted in post 12, especially as it sounds like you got your claim sorted (i think)
Why not share your experience with the users here, especially as it's a thread about good/bad companies? No need to post details, just an overview may be helpful
 
I'm not a lawyer and don't understand what will get me in trouble etc but initially I was happy to put my experiences across but if it means like people have said I am going to get sued then yes I'd rather not get caught up in all this.
My initial post was hasty/extremely negative because I feel strongly about people judging an insurance broker on how friendly a salesperson was on the telephone.
The truth is any substantial claim will probably be passed on by cliik to a loss adjuster anyway so regardless of how good initial contact was with cliik your claim outcome will not be decided by them. It does become a claimant vs cliik situation so they appoint a company who is apparently impartial to decide the outcome of your claim.
When I initially needed an insurance policy I did some searches on TP and let the positive comments regarding initial comms and price when taking a policy out with cliik cloud my judgement.
From my experiences I would most definitely advise people to read every single word in their policy, wording and T&C's before committing. Cliik only really send out the T & C's initially whilst you are making your decision, the wording (or potential reasons in the small print why they may not pay out) will follow days later when you may already think everything is sorted.
Hope this is helpful, informative and makes everyone think rather than being completely negative.
 
ferret1981 said:
I'm not a lawyer and don't understand what will get me in trouble etc but initially I was happy to put my experiences across but if it means like people have said I am going to get sued then yes I'd rather not get caught up in all this.
My initial post was hasty/extremely negative because I feel strongly about people judging an insurance broker on how friendly a salesperson was on the telephone.
The truth is any substantial claim will probably be passed on by cliik to a loss adjuster anyway so regardless of how good initial contact was with cliik your claim outcome will not be decided by them. It does become a claimant vs cliik situation so they appoint a company who is apparently impartial to decide the outcome of your claim.
When I initially needed an insurance policy I did some searches on TP and let the positive comments regarding initial comms and price when taking a policy out with cliik cloud my judgement.
From my experiences I would most definitely advise people to read every single word in their policy, wording and T&C's before committing. Cliik only really send out the T & C's initially whilst you are making your decision, the wording (or potential reasons in the small print why they may not pay out) will follow days later when you may already think everything is sorted.
Hope this is helpful, informative and makes everyone think rather than being completely negative.
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Not really helpful or informative to someone looking for cover and advice on companies behaviour
Do you still feel cheated and lied to, if so, why?
What was the proof you talked of, not sure you can be sued for sharing facts
Did you get your claim paid in full, if not, why not?
What small print did anyone use against your claim?
This information would be helpul and informative
Cheers
 
ferret1981 said:
The truth is any substantial claim will probably be passed on by cliik to a loss adjuster anyway so regardless of how good initial contact was with cliik your claim outcome will not be decided by them. It does become a claimant vs cliik situation so they appoint a company who is apparently impartial to decide the outcome of your claim.

From my experiences I would most definitely advise people to read every single word in their policy, wording and T&C's before committing. Cliik only really send out the T & C's initially whilst you are making your decision, the wording (or potential reasons in the small print why they may not pay out) will follow days later when you may already think everything is sorted.
Hope this is helpful, informative and makes everyone think rather than being completely negative.
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Thats true of every insurance company on the planet - the onus is always on the customer to read the fine print and understand what is and isnt insured and to stay within those parameters

Plus claims are always pased to a loss adjuster - who's job is to make sure the company doesnt pay out anymore than it needs to

But neither of those are symptomatic of a company telling lies , or being unreliable - just a customer not fully understanding the service they have paid for.

As I said above in the case of my claim with Cliik everything was painless - but thats because I had read and understood the T&Cs before the claim (in fact before i took a policy out) so there wasnt anything for their loss aduster to remove from the claim or anything to quibble over
 
BruceMo said:
What was the proof you talked of, not sure you can be sued for sharing facts
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Indeed - my refference to suit above was in relation to making unsubstantiated allegations like " you shouldn't use xxx because they lied to me " - If you can't prove that they lied that could be defamatory (although the chances of them doing anything other than asking TP to remove the comment arent high)
 
big soft moose said:
As I said above in the case of my claim with Cliik everything was painless - but thats because I had read and understood the T&Cs before the claim (in fact before i took a policy out) so there wasnt anything for their loss aduster to remove from the claim or anything to quibble over
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Yes that's my point they send out the t&c's before you commit not the policy wording. The t&c's only state what amounts you are insured for and who you complain to etc. the policy wording which includes all exclusions for not paying out is only sent out after you have committed or it was deffinately in my case.
 
big soft moose said:
Plus claims are always pased to a loss adjuster - who's job is to make sure the company doesnt pay out anymore than it needs to
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Yes that's fine but the 'specialist' loss adjuster who was appointed
to me just spent his time with me distegarding my proof of purchases i had sent to them then googled the prices of my kit and was only willing to pay out grey import prices, which is fine if you originally payed grey import prices. Wouldn't listen when I tried to explain the difference.
 
ferret1981 said:
Yes that's fine but the 'specialist' loss adjuster who was appointed
to me just spent his time with me distegarding my proof of purchases i had sent to them then googled the prices of my kit and was only willing to pay out grey import prices, which is fine if you originally payed grey import prices. Wouldn't listen when I tried to explain the difference.
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Argh, so you paid retail price, not grey import price, they then tried to tell you they would pay you ''this much'' based on grey import prices, no wonder you was not happy with the service, I'd be hopping mad at them for being so unprofessional.
 
When i didn't agree with the click/real insurance groups outcome of them offering no financial assistance with my claim they told me they had referred my case to their underwriters (catlin) who also in the words of the click/real rep agreed that I should be offered no financial assistance with my claim. They then proceeded to tell me they could do nothing else and if I wanted to further my appeal it would need to be with the financial ombudsman. It took a while but i did collate all my data and problems with the policy i had been sold then sent it to the FO. Surprisingly my forms were sent back from the FO and I was told I needed to give the underwriters the opportunity to resolve my case and their contact details. I called catlin and explained that cliik/real had already referred my case to them only for it to be rejected. Catlin told me this was the first they had heard of my circumstances and cliik/real should not of referred me to the FO it is up to them to make a final decision.
Catlin consistently listened to my comments and always responded in the timescales agreed. As well as paying my claim out in full catlin also compensated me a small fee for the inconvenience I was caused. This would have never happened if I had just left this with cliik/real and relied on their specialist expert advice. Any comments made I made about my/their interpretation of the policy wording were ignored by click/real whereas catlin who actually write the policy wording for your policy have even stated they are now reviewing their policy wording because of the problems with my claim.
I pursued this because although i was completely irresponsible and careless with my kit I also felt I had received terrible service, was treated unfairly and something didn't seem right not just because my claim was un-successful. I am glad I didn't settle for cliik's final decision and pursued this further. What are people getting at do they think I should have left it with cliik? Am I gaining anything from sharing my experiences?....absolutely not! Are click gaining anything from all the recommendations on tp?...ill let you decide
 
Ivan S said:
Argh, so you paid retail price, not grey import price, they then tried to tell you they would pay you ''this much'' based on grey import prices, no wonder you was not happy with the service, I'd be hopping mad at them for being so unprofessional.
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Yes I even had proof of purchase for most items. All the adjuster was interested in was the cheapest available price if we had to purchase on that day.
 
All sounds a horrible load of hassle, glad you got a happy outcome
I wasn't "getting at" anything, just wondered what the story was and whether I, or the OP should worry about cliik, as I've never seen any negative feedback before
Maybe your fellow TP'rs will gain something in your tale and read the small print if they feel it's important to them when searching for cover on their gear
Am I allowed to ask what you done to your kit, or is it too painful :-)
 
I'm sorry to read it the problems you had with your claim, glad it got sorted in the end even if it was the policy underwriter that proved themselves to be decent. Personally I saw no need for you to explain yourself in depth. Its an internet forum and you're quite entitled to voice an opinion without providing further explanation / proof to random forum members that have decided it's their place to demand it.

I find it rather absurd that some people will recommend an insurer, saying they offer very good service or whatever when they have never made any claim through them. The only worthwhile recommendation for an insurance company can come from those that have had a claim handled by them. Any company can have a pleasant sounding person on the phone, and while that's nice it's not what insurance is about.
 
I am glad it was resolved successfully but am actually quite disturbed that they would use grey imports as a replacement and think that it is satisfactory.

I would also have made the fuss......


Heather
 
BruceMo said:
Am I allowed to ask what you done to your kit, or is it too painful :-)
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Yes no problem bruce, I was offered a lift to a job which meant space was limited and as we had a rear seat down to accommodate studio lights, modifiers, stands and backdrops the rear seats had to be lowered and some kit was hidden in a rear footwell obscured from view by the lowered seat and some personal items. This meant my policy was invalid when the car windows were smashed and my kit was taken depending on how you interpret the policy wording and definition of 'un-attended vehicle'.

I never wished for this and insurance was just something I needed to get and hopefully would never use. I was very naive to think that I was simply insured for theft from a vehicle and didn't really know about all the exclusions which I now completely understand the reasons for. Obviously since this I have learned alot!

I didn't even know what an underwriter or loss adjuster was and also didn't know that brokers were just sales people for the underwriters. I thought it would be a simple call to cliik and my kit replaced...not the case! When cliik started to say it was nothing to do with them I got very skeptical as despite selling me the policy they didn't seem to take ownership of my claim. I was always waiting what seemed like an age for someone else like the loss adjuster to investigate and (allegedly) the underwriter to make their final decision.

stu.artd said:
Personally I saw no need for you to explain yourself in depth. Its an internet forum and you're quite entitled to voice an opinion without providing further explanation / proof to random forum members that have decided it's their place to demand it.
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Thanks for the comments but to be fair I did set myself up for that with some of my initial posts!

It does wind me up though, and the bandwagon comment was nothing really against steve. I just remember searching these forums and reading all the comments and it was my own stupid fault but they did help me decide and make the call to cliik. Read policy 'wording' not the 'T&C's' they are two completely different documents of many many more confusing ones that are forwarded to you. When I initially made the call to take out my policy I completely agree with all the comments about steve being helpful/friendly and this did assist me in making my decision of choosing cliik. However there is alot more to a policy than a brokers reputation and after cliik initially ignoring my claim queries I went to real insurance (their partners/owners) who were definitely less than helpful and in my personal opinion patronising towards me throughout my claim.

Like I have said before a broker is of so little significance when making a substantial claim so please research who their 'impartial' loss adjusters are and underwriters too.

Catlin are A1 top notch and were professional with their comms from the off, they told me initially that the outcome for me may still not be favorable but I did feel like they were sympathetic and addressed all my concerns. Knowles Loss Adjuster on the other hand well.....that could be a thread of it's own!
 
No wonder you were a bit stressed out with it all, but all in all, a happy outcome
Glad you got it sorted, and sharing your grief on here may just help others avoid similar strife in future
 
Yes happy outcome eventually! Hope this can help people and I am very greatful to to catlin for being so understanding They did state that they wouldn't underwrite a policy in these circumstances again. So these posts are not to actively encourage people to argue with their brokers, its just an insight in to what happened to me and hopefully despite people indicating to me they know every line of their policy wording inside out I'm sure they don't, so get any interpretations definitions cleared up in the early stages.
 
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