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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 24th March 2015
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Insurance

Other day the Mrs and I left to pick up the kids from Guides and saw two shifty chaps wandering around the road, looked like they were leafleting for drives or gutters or suchlike - but they really did look a bit dodgy. My one and only real thought was "what if the nick my camera"... sad, but true. Especially as it is now in a handy "grab and go" backpack.

This got me think could I afford to replace my kit, or at least the main bits should the worst happen? And the answer was No - took me ages to save for it. I know household insurance covers in some circumstances but I was wondering if it is worth taking out a specific policy that also covers accidental damage at home and when away?

I remember seeing a post on insurance a while ago, but for the life of me can not find it now and can't remember the main points of discussion or any recommendations of insurers.

Advice please boys & girls.....
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  #2  
Old 24th March 2015
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Re: Insurance

I have used these before, I found them very helpful.
http://www.aaduki.com
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Old 24th March 2015
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Re: Insurance

My house insurance, from the Coop, covers my photography gear up to £5000 total / with a maximum of £2000/item while away from the house. Given my most expensive kit would be an E M10, 75-300 II, Voightlander 25mm and some cheaper lenses that makes everything in my bag including filters, SD cards and the bag, total to less than £5000 I'm covered.
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Old 24th March 2015
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Re: Insurance

If you need insurance, I would suggest adding to your home insurance policy if at all possible.

I insured my gear with E & L for many years. I probably paid for it twice over with their expensive premiums, but when I dropped my E1 and needed to claim they somehow worked out that I would need to pay them to do so! Their excesses and exclusions were also a rip off.

I have had similar experience with Warranty Direct, where they auto renewed our policy, but didn't tell us that the cover had changed, so when we tried to make a claim they rejected it!.

I'm afraid I have come to the view that other than household and motor insurance it is better to self-insure by putting the premium into an investment account or Premium Bonds. At least you can't reject your own claim!
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Old 24th March 2015
Harold Gough Harold Gough is offline
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Re: Insurance

I have used these people for over a decade. They concentrate on physical replacement of lost/damaged/stolen equipment. I found that the semi-pro cover suited me best, even as an amateur, not least because of the cover while in a locked vehicle.

http://www.gloverhowe.co.uk/photographic-insurance/

Harold
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Old 24th March 2015
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Re: Insurance

Rule of thumb is if you can't afford to replace it, it should be insured. However, I own three recumbent trikes which to replace one would run me between £2000 and £3500 depending on which one was stolen!
Most house insurers won't cover a bike (and so trike) worth more than a certain figure, usually £500 or £1000. Specialist insurers do exist and tend to charge well over 10% of the value/annum, won't replace models older than a few years old and insist on serious heavy and very expensive locks being used while out and about. So they are not insured, and as of today I could buy the cheapest two from the premiums I haven't paid out so far.
My brief research into specialist photographic insurers was a case of deja vu from the above experiences, but I was pleased to find that for a very small extra charge my house and contents insurers were happy to offer cover.
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Photos at http://www.flickr.com/photos/42941818@N07/
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Old 24th March 2015
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Re: Insurance

Quote:
Originally Posted by Harold Gough View Post
I have used these people for over a decade. They concentrate on physical replacement of lost/damaged/stolen equipment. I found that the semi-pro cover suited me best, even as an amateur, not least because of the cover while in a locked vehicle.

http://www.gloverhowe.co.uk/photographic-insurance/

Harold
Ditto. When I joined them, I had gear of another make, and benefitted from the "User club' discount they gave, which they've never rescinded, despite my moving over to Oly last year. Fortunately I've never had to test them on anything stolen (touch wood), and when I shopped around a year or so ago for comparisons, other insurers were asking more for the same cover. They also insured my laptop as part of the 'camera' package.
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Old 24th March 2015
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Re: Insurance

Found it cheaper to add camera gear to my household with only a few articles needing to be named.
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Old 24th March 2015
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Re: Insurance

Most household looks at £1k per item. Plenty for my m4/3 kit.
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