Kit Insurance

Barney12

Barney12

I like Sailors
Messages
1,489
Edit My Images
Yes
What do you guys recommend regarding insuring your camera and related kit? Increasingly I have my kit in the car (I spend a good deal of time away from home) as I like to have it to hand but I'm guessing cover for while its in the boot will be hard to get?

Barney
 
Don't just take anybody's recommendation. You need to read the small print really, really closely. For example, my insurance is with Imaging Insurance and the bit in the policy about cars reads as follows:

We will not pay for loss or damage from of equipment from an unattended vehicle:
i. unless all doors and any boot are locked and windows and other openings are securely closed and all keys are removed from the vicinity of the vehicle
ii. unless there is evidence of forcible and violent entry to the vehicle
iii. other than from the locked boot of a saloon car
iv. other than from the luggage compartment of a hatchback or estate car where the property insured has been concealed from sight by its proprietary manufactured tailgate
v. unless the property insured has been concealed from sight in the storage area of a van that has its rear windows blacked out and the rear doors secured by a high security mortise lock
vi. ...
vii. unless the property is out of sight and the vehicle has all its points of access closed and secured by all its locks and other protections and all keys are removed from it and retained by the driver.
viii. In addition all loss or damage will be excluded for property in a vehicle when left unattended between the hours of 7 pm and 8 am or after the completion or before the commencement of the working day of the driver (if earlier/later), unless the vehicle is garaged in a building which is securely closed and locked, or parked in a compound secured by locked gates
Click to expand...

OK, it's badly written and repetitive, but that's what it says, and I'm sure you get the drift.

I think my policy is pretty standard in this respect possibly even on the generous side. Some policies exclude hatchbacks. And one thing to look out for is that some policies will even exclude stuff left in a locked boot, if it's possible to open the boot remotely from inside the passenger compartment. That excludes a lot of cars.
 
Thanks Stewart

Its a bit of a mindfield eh! I've been surfing arround and havn't found a single policy that covers kit it the car properly.

I'm going to put it to a broker and see if I get any joy.

Barney
 
I specifically asked Abbey.
They stated that so long as the kit was not visible (and I confirmed that a cloth over would be OK), then it was covered by my insurance. This was ~£6500 of kit.
 
You must log in or register to reply here.
Back
Top