Olympus UK E-System User Group
Olympus UK E-System User Group

Join our unique resource for Olympus Four Thirds E-System DSLR and Pen and OM-D Micro Four Thirds photographers. Show your images via our free e-group photo gallery. Please read the e-group.uk.net forum terms and conditions before posting for the first time. Above all, welcome!


Go Back   Olympus UK E-System User Group > Out of Focus area > The lounge

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!

Reply
 
Thread Tools Display Modes
  #1  
Old 25th August 2012
al_kaholik's Avatar
al_kaholik al_kaholik is offline
Full member
 
Join Date: Apr 2012
Location: Winchester
Posts: 1,217
Thanks: 143
Thanked 136 Times in 125 Posts
Likes: 143
Liked 115 Times in 69 Posts
Insurance

It struck me last night whilst chatting to my dad that I'm starting to amass quite a value of Oly equipment. Tagged onto that I have quite a few expensive tools. They are in the final stages of having their house put right from a burst pipe in February this year and didnít have anything individually listed but got away fine.

I'm pretty sure these items of mine aren't covered by the standard contents insurance. And the travel insurance I've sorted doesn't really cover possessions over £250 - probably fine for the camera etc I think.

As my camera tends to go everywhere with me, at least 5 days a week I'm contemplating something. Those of you with OMD etc are they covered and if not what are you doing about it?

Does anyone have specialist insurance for cameras/gadgets or individual expensive household items? Any recommendations/pearls of wisdom?

Al
__________________
My Flickr
Reply With Quote
The Following User Says Thank You to al_kaholik For This Useful Post:
snaarman (25th August 2012)
  #2  
Old 25th August 2012
Bikie John's Avatar
Bikie John Bikie John is offline
Full member
 
Join Date: Nov 2008
Location: Wessex
Posts: 3,889
Thanks: 186
Thanked 639 Times in 567 Posts
Likes: 471
Liked 712 Times in 478 Posts
Re: Insurance

Check your general household insurance. It may be that your cameras and tools are covered even when away from home, and/or it may be that you can add expensive individual items to the policy for not too much extra premium.

One problem with insurance is that you only really find out how good the insurer is when you make a claim, and mercifully that doesn't happen often so we don't have much experience to share.

Good luck ... John
Reply With Quote
The Following User Says Thank You to Bikie John For This Useful Post:
al_kaholik (25th August 2012)
  #3  
Old 25th August 2012
StephenL's Avatar
StephenL StephenL is offline
Senior Pixelmonger
 
Join Date: May 2008
Location: Yorkshire Dales
Posts: 9,863
Thanks: 984
Thanked 1,126 Times in 921 Posts
Likes: 658
Liked 755 Times in 499 Posts
Re: Insurance

I've looked into this, and whilst there are plenty camera policies out there, in reality on close examination they don't offer anything that a good house contents policy cannot offer, except that you usually have to list each individual item. My contents policy isn't interested in specific details, and simply covers each item up to the value of £1000. It counts a camera body and lens as separate items, so no worries there. You just have to ask them the right questions before you renew your policy.
__________________
Stephen

A camera takes a picture. A photographer makes a picture

Fuji X system, + Leica and Bronica film

My Flickr site
Reply With Quote
The Following User Says Thank You to StephenL For This Useful Post:
al_kaholik (25th August 2012)
  #4  
Old 25th August 2012
al_kaholik's Avatar
al_kaholik al_kaholik is offline
Full member
 
Join Date: Apr 2012
Location: Winchester
Posts: 1,217
Thanks: 143
Thanked 136 Times in 125 Posts
Likes: 143
Liked 115 Times in 69 Posts
Re: Insurance

Thanks chaps, I'll have to look into it. I'm probably one of the people that my travel insurance will cover everything I need it to, but as I said those people who have just dropped a wedge on an OMD may want to check their household and travel policies
__________________
My Flickr
Reply With Quote
  #5  
Old 25th August 2012
DJMC's Avatar
DJMC DJMC is offline
Full member
 
Join Date: Apr 2011
Location: Lutterworth, Leics
Posts: 1,236
Thanks: 2
Thanked 46 Times in 35 Posts
Likes: 0
Liked 0 Times in 0 Posts
Re: Insurance

Quote:
Originally Posted by StephenL View Post
I've looked into this, and whilst there are plenty camera policies out there, in reality on close examination they don't offer anything that a good house contents policy cannot offer, except that you usually have to list each individual item. My contents policy isn't interested in specific details, and simply covers each item up to the value of £1000. It counts a camera body and lens as separate items, so no worries there. You just have to ask them the right questions before you renew your policy.
You need to be careful your insurer doesn't regards 10 x £1000 camera items as a "collection" as then you would only be covered for 1 x £1000. Best to check with them.

Have a look at Axa online. They have a 'slider' for personal possessions so you can tailor what total level of cover you have. Great rates. I'm with them for this very reason.

__________________
David
--------------------------
-XZ-1 * VF-2+EP-9
--------------------------
Reply With Quote
The Following User Says Thank You to DJMC For This Useful Post:
al_kaholik (26th August 2012)
Reply

Thread Tools
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off

Forum Jump

Similar Threads
Thread Thread Starter Forum Replies Last Post
Car Insurance £'s up Chevvyf1 The lounge 10 4th March 2012 09:21 AM
Insurance David.M The lounge 7 31st January 2011 12:19 AM
insurance forester The lounge 13 16th April 2010 06:58 PM
Car insurance!! andym The lounge 15 16th July 2009 10:46 PM
Insurance yorky Foto Fair 10 10th January 2009 04:18 PM


All times are GMT. The time now is 01:04 PM.


© The Write Technology Ltd, 2007-2019, All rights reservedAd Management plugin by RedTyger