Insurance

stokecity_m

stokecity_m

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Chris
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Yes
Although it might not be a factor to other people if i was to damage or have my camera stolen, i would struggle to replace it.

So i was wondering if anyone could recommend an insurance company that would cover me, if indeed there is one at all.

Cheers
 
I have all my kit, my wifes kit and 2 laptops included in the household insurance, away from home and new for old, most companies will cover up to £6k, remember this will include clothes, jewelery etc.

However all our kit that could be out of the house at any one time can come close to £11k. For that reason I phoned Adrian Flux when our home insurance came due and talked them though what I wanted covered and values, they found a company that would accept the high value of all the kit for not a lot more than my normal renewal fee
 
Loads of threads about this. Just do a search. Whatever you do, don't use E & L. See, you'll have the urge to seek out why now! ;) :lol: :lol: :lol:


Kev.
 
My camera is insured under my household insurance too. I'm with halifax.
 
I use Glover and Howe, not had to claim so cant answer on that side but they are very pleasent to speak to :)

As for home Insurance I opted against this as my Equipment as a whole would have been insured for £500, not each individual item so if I lost/broke my 40d with 100-400 then I would get back nowhere near the value. Im with Direct line, not sure about other insurers.
 
I added my camera and lenses as named items to the house insurance (and clarified the position on if it was stolen from a card, in this case it is out-of-sight +locked = payout that isn't the case with all). It added another £80 to the yearly premium, which was around a third of photoguard (as I don't need liability I hope)
 
Yes sorry, meant car.

Some insurers that have been mentioned on this forum, will only cover the items if they are stolen from your possession, i.e. you are mugged (and then they reduce the cover for mugging as well in one of them). If they are in a car, then they needed to be locked in the boot out of sight, with the main cabin locked, and there had to be no access to the boot /at all/ from the main cabin of the car.

That discounts an awful lot of cars.
We have a couple of cars. One is a rover 400, semi-hatchback. That is discounted because the parcel shelf could be lifted out from the main cabin, and the seats fold down.
Another car, has a 'ski hatch' in the middle of the back seat, meaning that you could get into the boot from the main cabin. This car has a mechanical release to the boot from the driver, so would also be discounted.
The third car, might just squeak through, so long as I could argue that the immobilizer fitted as standard, also disabled the electric release to the boot (which it does).

Basically, if you intend on going shopping and leave the camera in the car rather than take it around the shops (which I do with the supermarket), then you would need to be very careful that the items are covered. Insurers don't like giving their (hmm, your) money back.
 
If non pro use ie not for money making, then most contents cover will suffice but talk to your current insurer( assume you are insured?).
If used to make money/living then get separate policy from Photoguard, Aaduki, Imaging insurance etc.
 
I use E&L for both my camera stuff and hubbys music stuff. I'm looking for somewhere else TBH, it was a farce for them to actually take payment from me (try as I may, no matter how many times I told them my card number they couldn't get it right!) and they're hard to get in contact with!
 
Just one thing to remember - insurance companies simply don't like paying out. In my experience if you show an insurance company a loophole they'll be through it and gone quicker than a rat up a drainpipe, sio check the policy thoroughly before you buy it.
 
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