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Photo Forum / General Photo Topics / UK Photography / March 2006camera insurance
Is there a company that will insure £1200 worth of camera gear all risks. I do not have a house insurance so can't tag on Thanks John > Is there a company that will insure £1200 worth of camera gear all risks. I > do not have a house insurance so can't tag on > Thanks John Google is your friend - search UK on 'photograpic insurance' -- Woody harrogate3 at ntlworld dot com > Is there a company that will insure £1200 worth of camera gear all risks. I > do not have a house insurance so can't tag on > Thanks John I have mine insured with http://www.eandl.co.uk/ if that's any use to you. Roger > Is there a company that will insure £1200 worth of camera gear all risks. I > do not have a house insurance so can't tag on > Thanks John I have mine insured with http://www.eandl.co.uk/ if that's any use to you. Roger >> Is there a company that will insure £1200 worth of camera gear all risks. >I >> do not have a house insurance so can't tag on >> Thanks John > >I have mine insured with http://www.eandl.co.uk/ if that's any use to you. Before choosing an insurer, you should ask around and find our what experience people have had when making claims. For example, I used to insure my caravan with a company that quoted a premium that was less than half of those offered by its three competitors. I had a sense of self-satisfaction that I had made the effort to get competitive quotes and chose the cheapest by far. Of course, pride comes before a fall, and I had to make a claim. I rapidly found out why my insurer was the cheapest; they made every effort possible to avoid paying out at all, and when they did pay out, they were very skilled at keeping their costs to the absolute minimum. I don't wish to mention any specific insurer, but those who advertise by means of a loose leaflet to be found in photography magazines are probably best avoided. The cover may seem good, and the premium reasonable, but just try getting them to pay out quickly and in full. All insurers tend to look very good until you have to make a claim. > >> Is there a company that will insure £1200 worth of camera gear all risks. > >I [quoted text clipped - 22 lines] > > All insurers tend to look very good until you have to make a claim. Very good points, I've never had to make a claim for photographic gear so I have no experience of who is best. In fact I've only once claimed on insurance at all and then I was very disappointed, it was the Co-op years ago. It is sometimes difficult to decide between a cheap policy (and difficulty getting a payout which may or may not be needed) and spending more (and possibly not ever having to make a claim). Roger >Very good points, I've never had to make a claim for photographic gear so I >have no experience of who is best. In fact I've only once claimed on >insurance at all and then I was very disappointed, it was the Co-op years >ago. It is sometimes difficult to decide between a cheap policy (and >difficulty getting a payout which may or may not be needed) and spending >more (and possibly not ever having to make a claim). I don't know who is best either. I insure my gear on my business insurance, which includes third party, public liability, professional indemnity plus employer's liability insurance, so the cost of covering my gear (all risks, new for old, replacement hire) is wrapped up in a much larger figure. My insurer specialises in business policies, and not specifically photography. I buy on quality of cover, not price, as I know I am likely, on average, to make about one claim a year - not necessarily for equipment. Without wishing to condemn any particular insurer by name (for obvious reasons) I would strongly reiterate that I would not touch any firm that advertises by distributing leaflets in photo magazines. >>Very good points, I've never had to make a claim for photographic gear so I >>have no experience of who is best. In fact I've only once claimed on [quoted text clipped - 11 lines] > as I know I am likely, on average, to make about one claim a year - > not necessarily for equipment. Mine is insured under my household policy, and the one time I had to make a claim on photo equipment, they liaised with my travel insurer behind my back and it all went very smoothly: they covered everything: maybe the travel insurance paid the excess? (Travel insurance doesn't cover the full amount of even my modest gear, but I have new-for-old, worldwide cover in my house insurance). Mind you, they (CU) were the insurers for my Union, so probably wanted to be careful to keep that custom, but a few years later the Union unilaterally took it over anyway. Union, pah! All they're interested in is Financial Services. Slainte Liz  SignatureVirtual Liz: http://www.v-liz.com Kenya; Tanzania; Namibia; India; Seychelles; Galapagos Photo blog of Make Povery History rally in Edinburgh 2 July 2005: http://www.v-liz.com/g8rally/protest.htm >>>Very good points, I've never had to make a claim for photographic gear so I >>>have no experience of who is best. In fact I've only once claimed on [quoted text clipped - 21 lines] >custom, but a few years later the Union unilaterally took it over >anyway. Union, pah! All they're interested in is Financial Services. The household policy is the way to go for anyone who isn't a working photographer. To be honest, I cannot understand why the original poster doesn't have contents insurance. Even if he rents a place, and even if it is fully furnished, he should have contents insurance if only for his own personal belongings. A basic contents policy with an all risks extension for personal use of the photo gear will probably cost less than the pathetic cover from companies advertising their policies in leaflets to be found in photo magazines*. There will also be far less problems in making a successful claim. * Liz, I don't know how many times this point needs to be made before people get it! And if they don't know which insurers I am referring to, they should look further up the thread and think hard. > * Liz, I don't know how many times this point needs to be made before > people get it! And if they don't know which insurers I am referring > to, they should look further up the thread and think hard. Tony, I'm sure people can figure it out Easily & Lazily ;^) >> * Liz, I don't know how many times this point needs to be made before >> people get it! And if they don't know which insurers I am referring [quoted text clipped - 3 lines] > >;^) Perhaps that hints at the root of the problem? It is 'easier and lazier' to insure with the company that gives you a free leaflet that falls out of the magazine without any user input. So I suppose the 'easily and lazily insured' deserve all they don't get when they make a claim. ;-) > I have mine insured with http://www.eandl.co.uk/ if that's any use to you. Well, it probably wouldn't be any use to him if he tried to claim given how restrictive their T&C are >Is there a company that will insure £1200 worth of camera gear all risks. I >do not have a house insurance so can't tag on >Thanks John Yes, E and L will cover you and for a small extra sum will cover gear unattended in a vehicle. Ian >>Is there a company that will insure £1200 worth of camera gear all risks. >>I [quoted text clipped - 3 lines] > Yes, E and L will cover you and for a small extra sum will cover gear > unattended in a vehicle. Read the small print re. hatchbacks- thats why I'm changing from them. |
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