Camera Insurance

[goslayer]

Hi all,

This has probably been covered before, but here goes.

Is it better to insure your camera and equipment with a specialist insurer or will the household policy be good enough. If you prefer a specialist, what would you recommend?

Cheers
Greg

 

[boyfalldown]

I think the answer to that one depends - if your house policy covers you for items away from the home and provides enough cover then why buy a seperate policy?

If it doesn't then a seperate policy is a good plan. Aaduki are good, but others will also recommend different policies

Hugh

 

[jolsterj]

http://www.talkphotography.co.uk/forums/showthread.php?t=136475&highlight=insurance

 

[Frenzied Dwarf]

Take a look at this thread

 

[goslayer]

I think the answer to that one depends - if your house policy covers you for items away from the home and provides enough cover then why buy a seperate policy?

If it doesn't then a seperate policy is a good plan. Aaduki are good, but others will also recommend different policies

Hugh

Thanks, I think I will check my household policy and see what it covers.

 

[goslayer]

Take a look at this thread

thanks, looks like most people use photogaurd. Will check household policy and if not covered I'll check the difference in price between increasing household or photogaurd.

 

[Byker28i]

be careful with your household policy. I had to specifically get the cover increased from the standard £500 max to £5000

 

[goslayer]

be careful with your household policy. I had to specifically get the cover increased from the standard £500 max to £5000

thanks, yer, I think I'll phone them and check. Is yours covered on personal items or have you stated camera equipment in the policy?

 

[neil_g]

also check to see if your household cover caters for your kit being in a car and if you want it (in case someone trips over your kit and sues you) public liability.

 

[goslayer]

Thanks Neil, I check and see what my car insurance covers.