camera insurance - recommendation please

salsa-king

salsa-king

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Name
Phil
Edit My Images
Yes
Been looking at sorting out new camera insurance very soon.

anyone give advice on who to get a quote off.... rough fee for the year covering upto how much of equipment etc

BTW.. I'm non professional.. its more a safe guard, just in case (stolen/holiday/damaged etc)



is the Canon Eos policy a good one?


Tnx
 
After a lot of research, I added to the house contents. I would check the reviews of photo guard and specialists. I am quite sure I have read quite negative feedback on here about one or two of them.
 
It depends what cover you feel you want or need .. if its just for the actual physical goods then a household contents policy should be ok (check limits though) but if you are looking for wider protection including liability (injury and damage) and professional indemnity (for mistakes/errors etc), then you will need a specialist policy - worth it in my opinion.
 
MartinHolden777 said:
It depends what cover you feel you want or need .. if its just for the actual physical goods then a household contents policy should be ok (check limits though) but if you are looking for wider protection including liability (injury and damage) and professional indemnity (for mistakes/errors etc), then you will need a specialist policy - worth it in my opinion.
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OP says; "I'm non professional.. its more a safe guard, just in case (stolen/holiday/damaged etc)"
 
The main limitation with adding it to house insurance seems to be the single item value limit. They back away when you quote the cost of a 500mm or 1 series body.
 
it's cover away from the home too,


Like golf club insurance.. cost me about £36 a year... covered about £2k.... away from home.. garage, car etc
try that with house insurance.. it put the house policy up stupid
 
my house insurance, direct line, covers me for £5k valuables cover anywhere in the world (warzones and natural disater areas excepted) single item limit is 4k , and items over 1k are notifable - at no extra cost - it also has legal costs, travel insurance and various other stuff built in.

That said because i sometimes do proffersional work (either in my day job or as a par time wedding tog) which the household policy doesnt cover , I also have dedicated photo insurance with Cliik who i can't fault - but i'm not sure if they cover amateurs...
 
Can I ask what you pay on house insurance though, as last year I only paid £152 (buildings upto £1m + Contents £70k cover)

I've had a quote from Glover & Howe... £4600 cover for £145. (all risk + world wide cover upto 60days - no limit on travel)
 
just under £100 contents only (I'm a tenant so the building is the landlords problem) - that said my car, pet and life is all with direct line too so i'm getting a discount for multiple policies

Before I went to cliik, i was with aaduki for dedicated camera cover - they were decent too - the one to avoid in my experience is E&L (low monthly premiums but 13 payments per year because they work from lunar months (like you do) ,and kept taking money from my bank account after they were told to cancel - then when I cancelled the DD with the bank they were most impolite and it took the threat of legal action to get my money back)
 
I chose to insure via Home Insurance after asking some very specific questions re single items or lumped together as one item. Had to specify one body over £1500
 
Did it out your insurance up when you ask for cover for away from home and accidental damage?
 
not for me - its a standard clause in my policy, i didnt ask for it
 
salsa-king said:
Been looking at sorting out new camera insurance very soon.

anyone give advice on who to get a quote off.... rough fee for the year covering upto how much of equipment etc

BTW.. I'm non professional.. its more a safe guard, just in case (stolen/holiday/damaged etc)



is the Canon Eos policy a good one?


Tnx
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Tigger.ufo said:
Stick it on your house contents insurance. :)
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salsa-king said:
£5k cover for £129

Sound right?
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Last year I was with Aaduki and no issues with their policy and luckily I didn't have to claim but that was c.£125 for around £6,000 of equipment.

This year I renewed my home insurance and they have covered me for all of my equipment at home and away including accidental damage and theft. The premium increased by £50 or so. Far better value and I only had to advise them of anything over £1,000 in value i.e. the camera body in my instance.
 
Your home insurance will cover the physical goods, but wont cover you if you get sued for non-damage related liability issues and won't if you are working commercially in any way either ... copyright being the most obvious one ..... a specialist policy will give you proper comprehensive cover for being a photographer and is always worth the money - as is any specialist insurance like bike insurance (another classic example)
 
why would you get sued for non damage related liability ? (as an amateur) - sure pro's need to worry about that stuff which is why is included in most photographer packages from people like cliik etc, but its overkill for an amateur to even worry about it
 
you reckon? ... right up to the point where the letter lands on your doormat.
 
Not for me, but I was taking out their top level of cover with buildings and home services. Insured away on holiday, personal possessions etc
 
MartinHolden777 said:
you reckon? ... right up to the point where the letter lands on your doormat.
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but why - please explain who would be suing an amateur for non damage related liability ... it is difficult to see how they could cause anyone a loss if they arent charging for/selling their photo's or how they would breach anyones copyright and get sued for it so long as they act with a modicum of sense

(incidentally i just checked my house insurance and it doesnt say anything about the £1M legal cover being limited to damage related liability anyway)

yes its theoretically possible - but if you go down that road you'd never leave the house for fear of something bad happening
 
big soft moose said:
yes its theoretically possible - but if you go down that road you'd never leave the house for fear of something bad happening
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theoretically possible, so on the assumption that you are going to pay £50-£100 with a generic household insurer, why you you not just pay twice that for an all singing all dancing policy that gives complete peace of mind? ... its still sod all in the scheme of things ...
 
MartinHolden777 said:
theoretically possible, so on the assumption that you are going to pay £50-£100 with a generic household insurer, why you you not just pay twice that for an all singing all dancing policy that gives complete peace of mind? ... its still sod all in the scheme of things ...
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you still havent explained what the threat is - how will an amateur get sued for non damage related liability ? (or better still a link to the case where someone has been)

going down the well its theoretically possible so we must protect against it route argues that every member of the population should have liability insurance before they step outside their house, which is clearly nuts. (perhaps they should also wear a tinfoil hat just in case..)

IMO amateurs don't need PL - so the only reason to go for a dedicated photo policy instead of relying on house insurance (which you'd have anyway so its not either/or) is if your gear is so expensive you can't cover it on your Household policy, or if you want to do something risky that they won't cover

(or of course if you are going to do some paid photo work - but in that case you arent an amateur and this discussion is moot)
 
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Mine wouldn't cover away from home. In the car. Robbery off me. Accidental damage.

As that on my house policy put it up more than that.
 
Sounds like you got the right cover for you @salsa-king and with that comes piece of mind which is exactly why I had my Aaduki policy the year before.
 
salsa-king said:
Mine wouldn't cover away from home. In the car. Robbery off me. Accidental damage.

As that on my house policy put it up more than that.
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Not even as "personal possessions away from home"?

Very odd house insurance if so!
 
Did I don't have personal items away from the home on the policy.
Like I don't have emergency trade call out. Being in the building trade there's not much point paying for something I can sort myself in an emergency.
 
salsa-king said:
Cover all my gear over 4.5k
Cost £144.10
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That is 31pence dearer than my whole contents policy! :eek:

£50,000 contents inc. Accidental Damage
£5,000 Personal Possessions away from home 90 days worldwide 365 days Europe (no single item over £1,000)
Plus full cover for my £4,500 Rolex which is the only item I specified.

Perhaps you need to shop around for your house insurance too! :)
 
Depends on how much you have to insure - but household contents insurance, with accidental cover and external cover :)
 
Tigger.ufo said:
That is 31pence dearer than my whole contents policy! :eek:

£50,000 contents inc. Accidental Damage
£5,000 Personal Possessions away from home 90 days worldwide 365 days Europe (no single item over £1,000)
Plus full cover for my £4,500 Rolex which is the only item I specified.

Perhaps you need to shop around for your house insurance too! :)
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even covering a Rolex.. away from home?
 
Also, don't forget individual postcodes, risk, no claims, age etc have to be factored in.
 
cool, which Rolex do you have?

did you need a valuation certificate or anything like that to prove value?
 
salsa-king said:
cool, which Rolex do you have?

did you need a valuation certificate or anything like that to prove value?
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Oyster Perpetual Lady Datejust steel and gold with an ivory linefold dial. Lovely watch!

I have a valuation certificate but didn't need to show it, but I suspect if I made a claim they would want to see it along with proof of ownership/receipt.
 
Tigger.ufo said:
That is 31pence dearer than my whole contents policy! :eek:

£50,000 contents inc. Accidental Damage
£5,000 Personal Possessions away from home 90 days worldwide 365 days Europe (no single item over £1,000)
Plus full cover for my £4,500 Rolex which is the only item I specified.

Perhaps you need to shop around for your house insurance too! :)
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Obvious question is.....who are you insured with?
 
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