Are you insured?

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inlineadam

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Adam
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Just wondering if anyone has their camera's insured.

I've since discovered that shutter's can suddenly just go - which would be expensive. So i am looking for good companies/ ideas for insuring it?

Thanks in advance.
 
Yep, sure do, however not for things like the shutter failing, in the same way that my car isn't insured for the engine going 'pop'. You would need some sort of service contract/extended warranty for that, and sorry to say I don't know of companies offering that (not saying they aren't out there).
 
I am insured, especially for theft and accidental damage. You will surprised how easily you cab drop your camera in the sea or down a cliff if nor careful!!!
 
I am not sure that you can get insurance for things like shutter failure other than taking out an extended warranty when you buy a new Camera, if you can I suspect it would cost quite a lot. For info the cost of replacing a shutter (for something like your 20D anyway) would be around £150-£200!
 
You'll spend more on insurance over a few years than you will getting a shutter replacement if that's your main justification. In your case (as a 20D user) you could replace your whole camera with another one for around the repair cost.

I paid Canon UK £156.50 in February of this year for a shutter assembly replacement on a 40D.
 
Insurance normally covers sudden and fortuitous loss (theft, dropping the camera down a cliff and so on), not fair wear and tear or this sort of breakdown. As others have said, you'd need an extended warranty.

Personally, I don't insure anything other than the car, which is third party only. I don't really own anything I value enough to insure, or that I would get too agitated about if it was lost/destroyed.
 
Your camera will be covered by your house contents insurance up to a certain value and then if it is over that you need to itemise it. Check your policy as all are different.
 
Scots_quine said:
Your camera will be covered by your house contents insurance up to a certain value and then if it is over that you need to itemise it. Check your policy as all are different.
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You can never say that with certainty. A camera will be covered under most standard contents policies but only in very specific circumstances and only for certain risks. Most policies would need to have additional "all risk"/"personal possession" cover added to actually cover it for the main risks you'd be concerned about e.g. accidental damage, loss, theft from your car etc.
 
NorthernNikon said:
You can never say that with certainty. A camera will be covered under most standard contents policies but only in very specific circumstances and only for certain risks. Most policies would need to have additional "all risk"/"personal possession" cover added to actually cover it for the main risks you'd be concerned about e.g. accidental damage, loss, theft from your car etc.
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Agreed. Most householder's policies cover cameras, sports equipment, clothes and so on in the home - they are part of the total replacement value which you have to declare - but you need the all risks extension to cover you when you're away from home and have the camera (or whatever) with you. Either way, the insurer won't pick up the tab for a new shutter or any other repairs - these aren't sudden and fortuitous losses.
 
MartynK said:
Agreed. Most householder's policies cover cameras, sports equipment, clothes and so on in the home - they are part of the total replacement value which you have to declare - but you need the all risks extension to cover you when you're away from home and have the camera (or whatever) with you. Either way, the insurer won't pick up the tab for a new shutter or any other repairs - these aren't sudden and fortuitous losses.
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All risks cover is useful though, in case some scally/charver runs off with a bag knowimg that your SLR is in there.
 
I have the warranty for the camera (1 or 3 years, can't quite remember which), and home insurance, and that's it. Home insurance should cover all my gear because there's really not that much of it at the moment. If I upgraded to a better camera I'd consider taking out some kind of extended insurance.
 
Home insurance covers me (I checked). I'm not a Pro, so it will do. My insurers consider less than 10% of total income as 'non-pro'. However, Pro insurance is different. If you make money from your camera, probably best to get specialised insurance. Probably best in any case tbh.
 
Say if I had to claim for my camera on my contents insurance(an old 10d) what would they do would they replace it with a new canon (i imagine it will be the cheapest available canon?) as I wouldn't imagine they would repair it.
Or would I be better just having it come out my own pocket, I dropped it other day and it now has an intermittent focusing problem.
(With churchill if that makes a difference) I hate claiming off insurance though:bang:
 
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I was about to write up a new topic on this when I came across your post. I've been regularly asked "have you insured your equipment". My answer was always "that's something I must really get around to". This somewhat came up again yesterday when myself and some friends went out to Richmond park to take some outdoor portrait photos and messing with lighting etc. Had a really great morning! We popped into a pub for some lunch afterwards and when we returned to the car the back window had been smashed in and they had gained access to the car... Bye bye my Nikon D300, 5 Lenses, a Nikon F70, some film/memory cards/batteries/other bits and bobs :(.

My friends asked me "are you insured."... and I can say that thankfully I had gotten around to getting my stuff insured. Although I'm now almost camera-less I hope I can get some compensation for it. Just got to go through the rigmarole of figuring out exactly what I had and how to get it back.

So, I beg anyone here that "hasn't got around to" insuring your equipment yet DO IT! You'll never know when you're going to need it.

What a shower of barstewards we have in the world today eh. Needless to say I'm not a happy bunny at present!
 
harrisp said:
Say if I had to claim for my camera on my contents insurance(an old 10d) what would they do would they replace it with a new canon (i imagine it will be the cheapest available canon?) as I wouldn't imagine they would repair it.
Or would I be better just having it come out my own pocket, I dropped it other day and it now has an intermittent focusing problem.
(With churchill if that makes a difference) I hate claiming off insurance though:bang:
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If you want to claim you need to firstly ring and check its covered (ie do you have personal possessions cover) and then get an estimate for repair. That is what you are initially covered for - you usually only get replacement if the cost of repair is greater than replacement with an equivalent model.

If you do opt for replacement but don't want the equivalent model or if repair cost is so high that you feel it would be better to put it to a new camera, you may be able to negotiate a cash settlement. If this is for replacement this will be less whatever discount the insurance company would get if they were replacing it, and of course less your policy excess.

If its a small amount then your excess may wipe most of it out and you end up with a claim on your policy, be aware that several small claims may prompt your insurer to put your excess up.

(This is from memory, I was a domestic property claims handler for a year or so between college courses, but that was a good few years ago and things may have changed.)
 
karmagarda said:
So, I beg anyone here that "hasn't got around to" insuring your equipment yet DO IT! You'll never know when you're going to need it.
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Sorry to hear that - but glad you'd got it insured. Times like that when you realise insurance is definitely worth it!
 
neil_g said:
sorry to hear that, i hope you jumped through the right hoops to make sure your in car cover is valid..
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Yeah, checked my policy afterwards to make sure it's covered. I have my Nikon D300 named on my insurance anyway so they can't get out of that one! The rest is supposed to come under personal contents cover. There's a few T&C listed against what is and isn't covered, but I seem to be still covered even after reading that.

ShoeQueen said:
Sorry to hear that - but glad you'd got it insured. Times like that when you realise insurance is definitely worth it!
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Damn right! I thanked my lucky stars that I got it insured. I beg others to do the same!!
 
karmagarda said:
Yeah, checked my policy afterwards to make sure it's covered. I have my Nikon D300 named on my insurance anyway so they can't get out of that one! The rest is supposed to come under personal contents cover. There's a few T&C listed against what is and isn't covered, but I seem to be still covered even after reading that.



Damn right! I thanked my lucky stars that I got it insured. I beg others to do the same!!
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SOrry to hear that :(

Which company are you insured with?
 
ShoeQueen said:
If you want to claim you need to firstly ring and check its covered (ie do you have personal possessions cover) and then get an estimate for repair. That is what you are initially covered for - you usually only get replacement if the cost of repair is greater than replacement with an equivalent model.

If you do opt for replacement but don't want the equivalent model or if repair cost is so high that you feel it would be better to put it to a new camera, you may be able to negotiate a cash settlement. If this is for replacement this will be less whatever discount the insurance company would get if they were replacing it, and of course less your policy excess.

If its a small amount then your excess may wipe most of it out and you end up with a claim on your policy, be aware that several small claims may prompt your insurer to put your excess up.

(This is from memory, I was a domestic property claims handler for a year or so between college courses, but that was a good few years ago and things may have changed.)
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I assumed pretty much any repair would be uneconomical on a 10d, what would the equivalent model be though? a base spec canon? in my opinion it should be another xxD series but I can't see that happening.
 
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