Making an insurance claim, I have no idea how!

combat squirrel

combat squirrel

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Hey all, as title, today my 5D mk 2 died, it keeps showing either error 20 or error 30 and the shutter makes a hell of a weird noise, so im assuming it obviously has to be sent in for repair (didnt do anything to it, it just stopped working - im assuming my photo insurance covers this - as I do it for a living I have pro cover with photo guard)

The only thing I am worried about is, I joined photo guard about 2 weeks ago after 2 years with E&L insurance.......I never made a claim, but im really worried that I just changed insurers (pure by chance as I was overhauling my insurance and house bills etc), and THEN my camera decides to conk out.

How to I go about getting it sent off (to whom?) and how do I get my insurance to cover it (after I pay excess).

The camera has the above errors and also the battery grip wheel broke a year ago so the battery grip is stuck on the camera, so if I send it in they may as well repair that.

Any thoughts guys?
 
You should start off by ringing your insurance company and asking them how to make a claim.

As an aside, are you sure you are covered for what appears to be 'wear and tear'?
 
Someone can correct me if I am wrong but your insurance would cover you if you'd dropped it but not for wear and tear no matter how low the shutter count is.

Your pro insurance would also usually cover the cost to hire kit in so you can keep working.

If it is wear and tear then you need an extended warranty policy, not pro insurance.
 
gadgeteer said:
Someone can correct me if I am wrong but your insurance would cover you if you'd dropped it but not for wear and tear no matter how low the shutter count is.

Your pro insurance would also usually cover the cost to hire kit in so you can keep working.

If it is wear and tear then you need an extended warranty policy, not pro insurance.
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^^^This

Insurance normally covers you for accidental damage and theft - not wear and tear. Otherwise pros would never have to "buy" any new kit ;-)

You need to get it repaired on your own coin - it is a cost of doing business. Of course if it is under warranty then you should get it done for free. Otherwise I suspect that you'll find it will set you back £250-300 it is is a new shutter.

BTW - the shutter count figure quoted is "expected life" not guaranteed. It is based on a Mean Time to Failure (MTF) - some last a lot longer than the quoted figure, and some don't.

You might have business continuity included in your policy, but again covering hire costs would normally only kick in if you have a claim for the items being covered by the hire. You wouldn't be able to use it on cover for a wear and tear repair. You might find if you are a sufficiently high grade CPS member then you'll get a loaner body from Canon - assuming you are CPS but that has nothing to do with insurance.
 
If you're a pro and not having a camera stops your business then you need a second body. Get another 5d ii and send yours off for repair. This minimises down time.
 
gadgeteer said:
Someone can correct me if I am wrong but your insurance would cover you if you'd dropped it but not for wear and tear no matter how low the shutter count is.
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Which, after I had a quick check on Photoguard's website, is essentially what I said in post #2 but the response was 'Well its pro insurance and its stopping my living'. Perhaps the OP knows something we don't? If it is covered then I think a lot of us will be heading towards Photoguard in the expectation that we'll never have to pay for a repair or a replacement camera ever again.
 
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The SD slot on my D800 has a mechanical fault. Since it just happened "all by itself" there's no way insurance covers it. If a toddler had inserted a rasher of bacon into it, it would be covered. Sometimes life seems so unfair.

[Either way I wouldn't claim. I reckon it's £100-200 to fix and my excess is £150.]
 
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