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The lounge Relax, take a break from photo and camera talk - have a chat about something else for a change. Just keep it clean and polite!

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  #1  
Old 30th January 2011
David.M David.M is offline
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Insurance

Hey guys, I'm looking at insuring all my kit with a specialist policy so that I'm covered when I'm traveling etc. Don't think my home/travel policies will cover the expense of all my kit now. Can anybody recommend a good provider?
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Old 30th January 2011
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peak4 peak4 is offline
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Re: Insurance

Well, last year I was insured with NFU Mutual for house insurance, who were happy to cover all my kit, even the Big Tuna, so long as I declared it and payed a bit extra.
This year I've just insured with John Lewis, formerly Green Bee, who are also happy to cover all the kit. They will also provide cover world wide, whilst you are on holiday. I only moved as they were 200 cheaper.
They also do easy on-line quotations, and in my case at least, had a very professional call centre.

I guess I will never know how good they are unless I claim though.
I don't think either of them would have covered my kit if it was "Tools of my Trade"
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Old 30th January 2011
DerekW DerekW is offline
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Re: Insurance

I use Hiscox and they cover all of our belongings any where in the world and no requirement to list the high value items.
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Old 30th January 2011
Andrew Riddell Andrew Riddell is offline
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Re: Insurance

Quote:
Originally Posted by DerekW View Post
I use Hiscox and they cover all of our belongings any where in the world and no requirement to list the high value items.
Chubb do the same.

Andrew
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Old 30th January 2011
sapper sapper is offline
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Re: Insurance

I use aaduki.com but if you belong to a camera club affiliated to the PAGB you can get a good deal.
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Old 30th January 2011
Ellie Ellie is offline
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Re: Insurance

We're with LV, our "Home" insurance covers my camera etc within UK, our family travel insurance covers it outside UK.
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Old 30th January 2011
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Re: Insurance

Hi

I have a dedicated photo policy from Photoguard. I choose them over using the All Risks section of my Home Insurance because if you have to make a claim for your photo gear, and the value of that it quite high, your Home insurance company will most likely penalise you with a big premium rise the next year.

Also, when I added up the replacement value of all my photography equipment it comes to over 3500 which is more than the normal limit on the all risk part of my home insurance. I could have chosen to increase the limit, but in the end I decided it was better value to take out a dedicated photo policy.

https://www.jltonline.co.uk/secure/P...Photo&promCode

With a separate policy you can also add cover for Public Liability or theft from an unattended motor vehicle etc.
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Old 31st January 2011
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jchallen jchallen is offline
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Re: Insurance

I have household insurance with the AA, for a small premium they included home and away cover (including accidental damage while away) for all my camera and computing gear.

At the last renewal I spent a while on phone checking various scenarios invoking theft from a car etc and was pleased to confirm that everything was covered, I did up he various values so that it was all covered if I lost the lost. I realised that at times I am carrying a backpack around with over 5K worth of kit in it!

As others have said you will probably only find out how good they are if you have to make a claim. Fingers crossed, I have not needed to yet.

I would check with your home insurance provider to see what they cover and get a quote.

Hope you never need it!

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