Equipment insurance
- Thread starter topsdave
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- Mark
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I insured £8200 worth of gear with Photoguard for £21 per month. Here's a tip for you: I left my quote in the basket for a couple of days whilst I was comparing quotes. They called me, I believe, 2 days later to ask if the quote was ok. I told them I was just weighing up my options (true!). I was then offered my quote for £21 p/m instead of £25 if I took it out on the phone. I feel safe in the knowledge I'm insured now.
There's also Aaduki who seem to get decent reviews.
There's also Aaduki who seem to get decent reviews.
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- Darren
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Just went through Photoguard and put a quote in the basket so to speak.
£5500 with some options ticked came to £24 .86 a month. sent the quote to myself and within about 10 minutes got a call from Warren at Photoguard to have a chat about some bits. 20% off if I call back and order over the phone, can be on any policy, not just the one I picked out before.
Will sort that this week I think!
£5500 with some options ticked came to £24 .86 a month. sent the quote to myself and within about 10 minutes got a call from Warren at Photoguard to have a chat about some bits. 20% off if I call back and order over the phone, can be on any policy, not just the one I picked out before.
Will sort that this week I think!
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The issue there is that I need household cover and any claim of my camera gear would reflect on my household premium.
If the premium for camera gear got too high I could then more it to household or just not have any.
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- Bazza
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That is what I found. Camera insurance is far higher than an expensive car left in the road overnight even. So one that basis there must be a huge number of cameras stolen each day to justify such high premiums.
Marks post
I insured £8200 worth of gear with Photoguard for £21 per month.
That is equal to £252 per year, or a car worth £24,000 would have to have pay £ 756+ per annum to put it in perspective.
Even insuring a house worth £100,000s cost far far less
Marks post
I insured £8200 worth of gear with Photoguard for £21 per month.
That is equal to £252 per year, or a car worth £24,000 would have to have pay £ 756+ per annum to put it in perspective.
Even insuring a house worth £100,000s cost far far less
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- Peter Rushworth
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There are lots of camera insurers out there, the problem is, the proof in the pudding, you only find out how good they are when you have to make a claim.
The amount you pay also depends on your equipment, old for new can become an issue on . Example I have a 300mm f2.8 lens but its discontinued, the replacement is £5000 give or take, the cost of your equipment mounts up, because its the replacement price not its current value, hence I've got over £20k to insure (cameras, lenses).
Depending on the amount you want to insure and the maximum cost of your most expensive single item, you could look at insuring it with your house insurance
The amount you pay also depends on your equipment, old for new can become an issue on . Example I have a 300mm f2.8 lens but its discontinued, the replacement is £5000 give or take, the cost of your equipment mounts up, because its the replacement price not its current value, hence I've got over £20k to insure (cameras, lenses).
Depending on the amount you want to insure and the maximum cost of your most expensive single item, you could look at insuring it with your house insurance
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Other things to think about are international cover, which costs more but by the sounds of things you want so is worthwhile having. And another is public liability which I think Photoguard latch onto their policies, I'm uncertain whether you can remove it and save some money though, it's been months since i renewed mine 
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What are photoguard like with claims??
I know some camera insurance firms can be a bit of a pain when it comes to claims as the small print can be pretty excesive.... do they cover accidental damage (i.e dropping the camera in teh sea) and full replacement policy (i.e if you bust your camera you get a brand new one not the current value of the depreciated asset)
I know some camera insurance firms can be a bit of a pain when it comes to claims as the small print can be pretty excesive.... do they cover accidental damage (i.e dropping the camera in teh sea) and full replacement policy (i.e if you bust your camera you get a brand new one not the current value of the depreciated asset)
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- Gary
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Glover and Howe, ask for Luke. I had to make a claim, and they were actually helpful.
Be careful who you go with, and read the small print - many household policies don't insure equipment in a car, and even dedicated policies have stupid clauses like "only insured in a vehicle which doesn't have access into the locked boot" (IE Vauxhall Viva, Escort MK 1 and 2 etc) or "not covered if the vehicle is unattended and out of site" (IE when you stop at the services to go to the loo)
Be careful who you go with, and read the small print - many household policies don't insure equipment in a car, and even dedicated policies have stupid clauses like "only insured in a vehicle which doesn't have access into the locked boot" (IE Vauxhall Viva, Escort MK 1 and 2 etc) or "not covered if the vehicle is unattended and out of site" (IE when you stop at the services to go to the loo)