Insurance. Who do you all recommend?

ding76uk

ding76uk

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Carl
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I am looking to get all of my gear insured, and I was wondering who you guys recommend?

I photograph live music and skateboarding a lot, so need someone who is understanding of the fact a claim might be along the lines of "a skateboard hit my lens" or "someone through a pint at the performer and it landed on my camera" I have had too many close shaves now not to be insured!

Price factors into it, but need like for like covert and good customer service on claims.

Thanks in advance people.
 
I'll put my vote in for aaduki - had good service from them!

Worth giving them a call about skateboards and pints hitting your gear to check first though...
 
I used Barclays & explained a few particular clauses on mine, they accomadated them & when I had to claim paid no problem
 
I wouldn't recommend E&L. Check small print for deprecation too. E&L really dragged their heels sending the cheque too. Pay extra and get new for old. And the items value every year.
 
microbike said:
I wouldn't recommend E&L. Check small print for deprecation too. E&L really dragged their heels sending the cheque too. Pay extra and get new for old. And the items value every year.
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Tell me about it, I'm in the process of that now and it's really beginning to grate on me.

I'll be looking for cover with someone else after it's all done.
 
Guys,

Give my mate Steve a ring. He heads up the photography insurance company here:-

http://www.winsoverhowden.com/index.htm

They really are excellent and without those stupid little conditions - like having to have your house alarmed and connected to the local police station!!

I don't get anything for recommending this insurer - I do so because I trust them and Steve in particular. If you do mention me (Ryan) I'm sure he'll offer you one of his special "mates rates".

Cheers

Ryan
 
I'm not sure I could recommend Aaduki again. I bought through them last year and they have been both incredibly slow to respond when I changed my kit (i.e. after 2 months still no confirmation in writing) and rude when I phoned to chase. When my policy is up, I'll be looking around again, that's for sure...
 
neil_g said:
sorry but.. huh? :thinking:

insurance companys will generally all take the same stance on claims..
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Just wondered. as things like extreme sports are not covered on holiday insurances and the like, usually in the small print, so I assumed that some camera insurance companies would do a similar type of deal. I am no expert as haven't had camera insurance before, that is why I started a new thread rather than did a search for old threads on here.
 
Hi there after reading this chat, I thought its about time to get some insurance for my £8000 ish worth of gear.
Well checked the main 3 photo insurance,:eek::eek::eek: about £28 a month, then check my home insurance, to be covered in and out doors, even if I drop it as well and left in the car as well an extra £6.50 a month :clap::clap::clap: this is with 2 items over the £1500 limit my Nikon D700 and Nikon 70-200vr II lens.
So gess who won my money:thumbs::thumbs: nationwide insurance:thumbs::thumbs:
 
I put mine on my home insurance last week and the only question asked was is anything over £1500 which is no and covers against accidental damage and loss from car as long as it is locked away in boot etc.
 
Pick up the phone and ask them!

Aaduki tweaked their policy for me being trackside and having a convertible and last year Photoguard tweaked their policy to include covering the camera in my rucksack snowboarding.
 
Missing one point Steve. They say anything under £ 1,500. then you mention a whole kit bag with other Photography items and they class you as not just a hobbist.

you loose a a kit bag with 2 bodies various lens and they will class you as a semi pro or pro....

Not worth the hassle. Go with a pro insurance and you can sleep at night...

do it properly and you will be fine.
 
Well I asked if it would be covered not matter how much gear i have, and the answer was yes as long as I told them of any items over £1500 and give serial numbers:clap::clap: Its listed as special items :clap: so its covered and yes I did tell him I had £8000 worth of stuff and that was fine.
 
Winover Howden are for pros I spoke to steve today and he was very helpful, and did not try and sell me anything:thumbs::thumbs: he was the one who told me to try my home insurance :clap: Now with times being so hard he could of sold me insurance to get my money :nono: but NO he gave me free advice and helped me very much so just for that:thumbs::thumbs: 100% for the help
 
ding76uk said:
A site search my not bring up the answer as I need someone who will take into account what my claims might be for. Jeez, sorry for asking Gary. If it bothers you that much, why take the effort to respond in such an unhelpful manner.
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it doesnt bother me, which is why i put the smiley in.

but all you have now is a thread of posts almost exactly the same from exactly the same people that responded to the same question two weeks ago (and numerous times before that).
you could have got the same info from doing a search.

http://www.talkphotography.co.uk/forums/showthread.php?t=179263&highlight=insurance
http://www.talkphotography.co.uk/forums/showthread.php?t=175789&highlight=insurance
http://www.talkphotography.co.uk/forums/showthread.php?t=155854&highlight=insurance
http://www.talkphotography.co.uk/forums/showthread.php?t=172418&highlight=insurance
http://www.talkphotography.co.uk/forums/showthread.php?t=166769&highlight=insurance



and for what its worth avoid photoguard and ignore advice from anyone that hasnt made a claim.
 
Gary said:
and for what its worth avoid photoguard and ignore advice from anyone that hasnt made a claim.
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im with photoguard and i recommend them, not that ive claimed but based on their admin staff so far with ammendments etc.

i think every insurance company (like everything else) has at least 1 bad storey, i mean insurance companys are notoriously tight for starters. but without going off and claiming with every single company and comparing the experiences youll never have a fair review.

or ignore all that... :p
 
I'm with aaduki, haven't made a claim but they have been good in getting it set up!

I do a lot of live music stuff, I'm covered if in the pit or in front of the stage, but not on it! I checked E&L and they had a ridiculous condition that meant your gear wouldn't be insured in around 99% of cars!

Dave
 
my camera is insured with BSkyB. They have excellent customer service and were really helpful, but I'm not sure how they will be with a claim because they are a TV company and dont do insurance.

but more seriously I would advise using ING. We had a TPF member who left his camera in a field and they paid up. Photoguard dont pay if there is no sign of a break in. Which at first seems reasonable, until you think of all the different ways you can have your stuff stolen without sign of a break in.
The same company (under a different name) insured my bike. But only paid half of the value because my bike was left in a shared part of our flats. i.e. instead of leaving it outside in the street (which would have been fine) i left it locked up in a lockable bike shed in our flats secure car park.

I dont bother insuring my bike or my camera any more. I'm just extraordinarily careful with them and never let them out of my sight.
 
Gary said:
I dont bother insuring my bike or my camera any more. I'm just extraordinarily careful with them and never let them out of my sight.
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Sound advice :thumbs:
 
Gary said:
Photoguard dont pay if there is no sign of a break in. Which at first seems reasonable, until you think of all the different ways you can have your stuff stolen without sign of a break in.
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if you read the small print of a lot of home contents and car insurance for example youll find similar clauses.
 
Gary said:
it doesnt bother me, which is why i put the smiley in.

but all you have now is a thread of posts almost exactly the same from exactly the same people that responded to the same question two weeks ago (and numerous times before that).
you could have got the same info from doing a search.
and for what its worth avoid photoguard and ignore advice from anyone that hasnt made a claim.
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this does come up every two weeks.
same advice each time.
however, I disagree with gary on photoguard,
I've claimed twice with them in 3 years. each time they've been very good, new for old. cheques very quickly. no hassles, and even allowed me to source the item myself (onestop) when it was insured for less than they could supply it for. import worked a treat, cheque in the post 2 days later
 
DizMatt said:
I've claimed twice with them in 3 years. each time they've been very good, new for old. cheques very quickly. no hassles, and even allowed me to source the item myself (onestop) when it was insured for less than they could supply it for. import worked a treat, cheque in the post 2 days later
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:thumbs:
 
Just a suggestion. If this does come up every 2 weeks or so, would it not advisable to make a photography insurance sticky?

Gary, no offence meant, but my question was more specific albeit badly worded. I meant in the terms of do photography insurance have similar things to holiday insurance as in some activities are not covered, and also I was looking for advice from people who have had claims of a nature similar to what mine could be.
 
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