insurance

Discuss anything you like here
tomoswald
Posts: 4029
Joined: Mon Jun 06, 2016 7:13 pm

insurance

Post by tomoswald » Wed Feb 22, 2017 9:11 am

can anyone recommend a good insurance company for camera equipment?

tony-smith
Posts: 175
Joined: Wed Nov 23, 2016 11:01 pm

Re: insurance

Post by tony-smith » Wed Feb 22, 2017 9:35 am

No idea what or how much value you're insuring, but mine's insured on my home insurance as itemised items at no extra cost. Worldwide cover when away from the home too, I checked to make sure of that.

tomoswald
Posts: 4029
Joined: Mon Jun 06, 2016 7:13 pm

Re: insurance

Post by tomoswald » Wed Feb 22, 2017 10:08 am

Probably around £20,000 or so. not sure that's coverable under home insurance

tony-smith
Posts: 175
Joined: Wed Nov 23, 2016 11:01 pm

Re: insurance

Post by tony-smith » Wed Feb 22, 2017 10:59 am

You're a wealthier man than me then. I think all of my stuff was covered as individual items valued at under £1,000 automatically covered. But I just had to declare my EF100-400 L lens as it was around £2,000

With that amount of value though, it would be peace of mind to know it's all insured properly though.

petermillar
Posts: 249
Joined: Sat Jun 11, 2016 8:43 am

Re: insurance

Post by petermillar » Wed Feb 22, 2017 12:41 pm

nfu are good if you have to claim, but expensive
we have a single policy covering household, business, land, dogs (vets bills) - and including cameras etc.
I phone them every now and then to check that it covers everything - usually after buying a new lens or laptop

tomoswald
Posts: 4029
Joined: Mon Jun 06, 2016 7:13 pm

Re: insurance

Post by tomoswald » Wed Feb 22, 2017 12:52 pm

Will have to check the house policy i guess then as that seems to be what most use

petermillar
Posts: 249
Joined: Sat Jun 11, 2016 8:43 am

Re: insurance

Post by petermillar » Wed Feb 22, 2017 4:30 pm

Re Household insurance ... worth checking what they mean by "business use" or similar. Again, NFU are very good at telling you stuff like this.

tomoswald
Posts: 4029
Joined: Mon Jun 06, 2016 7:13 pm

Re: insurance

Post by tomoswald » Wed Feb 22, 2017 4:35 pm

Ok thanks Peter

bobrichards
Posts: 47
Joined: Wed Oct 19, 2016 11:48 pm

Re: insurance

Post by bobrichards » Wed Feb 22, 2017 8:59 pm

I use Photoguard which specialises in cover for both amateur and pro photographers www.photoguard.co.uk

They are good (I know cos they replaced my camera when I totalled it in Costa Rica - very few questions asked - just needed a repair estimate) You itemise your kit (item- value - serial number) and it is added to a schedule on which they base your premium. Worldwide cover, includes loss, accidental damage and 3rd party liability in case you ruin somebody's day with your camera!

tomoswald
Posts: 4029
Joined: Mon Jun 06, 2016 7:13 pm

Re: insurance

Post by tomoswald » Wed Feb 22, 2017 9:37 pm

bobrichards wrote:I use Photoguard which specialises in cover for both amateur and pro photographers http://www.photoguard.co.uk

They are good (I know cos they replaced my camera when I totalled it in Costa Rica - very few questions asked - just needed a repair estimate) You itemise your kit (item- value - serial number) and it is added to a schedule on which they base your premium. Worldwide cover, includes loss, accidental damage and 3rd party liability in case you ruin somebody's day with your camera!
That looks ideal, thanks Bob

Post Reply