Insurance - I need it! - where to get it?

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Richard
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i need to insure my kit, aswell as my house contents, theft, loss and accidental damages ect away from and in the home

it will be my first policy and im hoping you guys could shed some light on what i need to be looking for and where to look!

Richard.
 
#13 said:
i need to insure my kit, aswell as my house contents, theft, loss and accidental damages ect away from and in the home

it will be my first policy and im hoping you guys could shed some light on what i need to be looking for and where to look!

Richard.
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I do not have my kit insured yet but when I do start looking seriously, the price of the cover will be of much lesser importance than the service offered and the small print so many companies hide behind to prevent them paying out.
 
I enquired with my house contents insurance peeps and everything including office items such as the 2 desktops and 2 laptops, and all my photographic equipment and hubby's full golf club set is insured [including theft of bank/credit cards and money] for accidental damage,theft from home and away from home including theft from a car! BUT I made sure everything is insured to the hilt though [we live in an not-so-desirable area unfortunately!].

BUT if you were using your photography as a business, eg wedding photographer, it is a whole different ball game ..... I am happy to be corrected if this wrong though!!

HTH

Hels

Best of luck
 
I use these:
http://www.imaginginsurance.co.uk/

It cost me £198 to cover £10,500 worth of kit. I've recently had to make a claim and couldn't believe how good they were. Very fast and efficient. To me its worth every penny.

Kev.

Whatever you do DO NOT USE E & L INSURANCE. (do a search on insurance on the forum)


Just realised you want a combined insurance. Stupid me. :nuts: I'll leave my reply up just for members that might be interested.
 
my house is insured with esure and they insure my kit upto £1500 an item without me having to inform them about what i have. Anything over and you just have to ring them to have it added. It also includes accidental damage home and out and about, so if i drop it down the street i will be covered.
 
Plus if you are getting paid to take pics at weddings then you also need Public Liability and I would suggest Professional Indemnity.
 
kevshore said:
Whatever you do DO NOT USE E & L INSURANCE.
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:agree: It's worth reading their T&C page though, if you want a laugh - about the only way you'd get them to pay out is if a 7ft tall, one armed female Armenian mud wrestler broke into your house and ate your children before stealing your gear....and only then if this happened on the third Tuesday of May in a leap year :thumbsdown:


For the record, I'm with Photoguard.
 
Try Aaduki

They do have a 9pm curfew for kit in car, but you can get this waived
 
As you said you need home insurance as well, check out Hiscox, they may be slightly more expensive, but apparently they pay out for more items as standard.

I had an electrical surge kill my PC, ok, i had to pay the excess, but they paid for the resy, including new software and music downloads ,most of which i had no receipt for, they just asked for a list, how much i thought it cost and job done, money in my account within 3 days.
 
I use Photoguard, & it all can be done online.
I've been with them for about three years
 
i have been quoted £135.07 as a one off payment, by the AA, i have spoke with them

this will cover my equipment away from the home upto £5000 as long as no single item is over £1500

accidental damage is covered
theft is covered in and away from the home

just want to double check with you guys opinions before i buy the policy, as i have xero exp before
 
#13 said:
i have been quoted £135.07 as a one off payment, by the AA, i have spoke with them

this will cover my equipment away from the home upto £5000 as long as no single item is over £1500

accidental damage is covered
theft is covered in and away from the home

just want to double check with you guys opinions before i buy the policy, as i have xero exp before
Click to expand...

Get that all in writing and you're good to go.
 
I am with Photoguard as well, may be a bit more expensive than some but heard they are very good should something happen to your gear

Realspeed
 
I just mailed Photoguard as I have no receipts for my gear barring the body as much of it was second hand. They said a combination of boxes, photos, bank statements etc. so should be good to go with them.
 
i'm with endsleigh for student insurance and they cover my kit, no good for you *** i spose.
They were very good about an accidental damage claim ***
 
went with AA's one off payment of £135 that includes home contents accidental and theft away from home accidental and theft

2 minds weather of not to insure just my photo gear with photoguard for 7quid a month just to be sure?
 
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