Need to sort some insurance.

Jelster

Jelster

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Steve
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We're just about to renew our house & home contents insurance and I'm finding it pretty difficult to get reasonable cover for stuff "out of the home".

A typical week away with the Mrs and camera gear would see us with 2 bodies, around 6 lenses, our Swavorski scope, and a Macbook pro, probably the 12.9 iPad pro as well. That's without any filters, tripods flash etc. The value soon mounts up, and we could be looking at over £15k for a trip away birding or shooting landscapes. A lot of home contents deals just aren't interested in that sort of figure.

So, I need to organise some separate insurance for the camera gear, so some suggestions would be appreciated...

Thanks,
Steve
 
Hi

I have my kit insured with Eversure, there are other like photoguard.

I do not have any other cover like liability cover just kit cover.
 
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I have my gear insured with Aaduki.
 
I have my kit insured with Eversure as well. Made a couple of claims and well pleased with the way they handled them, Recommended
 
Morgan Richardson do a 'photographers economy' policy, not sure if that might suit your requirements?

morganrichardson.co.uk
 
Our insurance broker has arranged our home insurance through Axa for the last few years and they have been happy to include individual camera equipment up to £25,000, with a maximum of £5,000 unspecified items. Cover over this amount is for specified items only, which two of my Canon lens falls into the category of and has bumped our premium up to £480 p.a.

Having a chat with a broker who knows the market can sometimes reveal providers who are happy to cover.
 
Like others, I use Eversure.

cover 6k of equipment out of the house including world wide cover

accidental damage cover and theft from vehicle.

137 quid

for amateurs only - they also do policies for paid work
 
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With Eversure has anyone actually made a claim? Also do you base the cost of items on the price you paid or the price new now? My kit is a mixture of second hand and new purchases.

just done a quick quote based on £12K (includes computers and storage as well as photography kit) and it came out at £153 a year for amateur use. That’s cheaper than my home insurance which is surprising.
 
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I have not made a claim.

If you look at eversure’s t&c’s they replace new for items bought new and just the current market value for used items.

Photography Insurance | Feefo Platinum Award 2022 | Eversure Insurance

Photography Insurance will help keep your business and your equipment safe with great benefits like cover for accidental loss, damage and theft as well as public liability and professional indemnity available as options.
www.eversure.com www.eversure.com

Note - you always need to document ownership with original receipts and a photo of the item with your passport etc.

They get mixed reviews depending on where you look eg Feefo excellent, trustpilot poor.

I guess cheap insurance means check the t&c carefully to see what hoops you may have to jump through before claiming.
 
Have a look at Aviva.

I used to use Churchill for home insurance but their terms for out of the house were restrictive so I ended up buying separate camera insurance.

I found Aviva after a couple of years. They offered me the same cover as the separate camera insurance but at no extra cost.

May not be a solution for your situation and you never know how could it is until you claim. You also need to consider any impact on NCB.
 
Don't forget that if you have a claim on one policy somewhere (car, motorbike, house) you have to declare it when touting for another policy.
"Have you had any insurance claims in the last 5 years?"..... doesn't mean just for that insurance policy, so a claim on your photographic kit can also affect your motor and other policies.
 
Lensflare said:
Don't forget that if you have a claim on one policy somewhere (car, motorbike, house) you have to declare it when touting for another policy.
"Have you had any insurance claims in the last 5 years?"..... doesn't mean just for that insurance policy, so a claim on your photographic kit can also affect your motor and other policies.
Click to expand...

I haven't made any insurance claims since coming off a motorbike in 2005....
 
I use Markel and I had to make a claim a couple of years ago, quite a sizeable one, and they were fantastic.
Money came through really quickly and they were super helpful and understanding. As such I stay with them year on year.

I have Public Liability for £5m, Professional Indemnity for £50k and equipment cover of £15k away from home.
 
Lensflare said:
Don't forget that if you have a claim on one policy somewhere (car, motorbike, house) you have to declare it when touting for another policy.
"Have you had any insurance claims in the last 5 years?"..... doesn't mean just for that insurance policy, so a claim on your photographic kit can also affect your motor and other policies.
Click to expand...

It’s worth being aware of this but, I haven’t actually encountered this sort of declaration in the few insurance contracts I have taken out.

Eg for house contents with LV and esure/shielas wheels/NFM I just had to make a statement about previous claims on house insurance only.

Eversure didn’t have a requirement to make a global claim declaration.

However - all these insurance companies seem to share an industry wide database so, as we have said, it’s really important to read the t&cs carefully. I have been caught out on a Domestic and General claim which seemed straightforward - but it turned out not to be.

In the context of the OP’s enquiry, I do tend to side on going with a big name house contents insurer - which I will have a look at when I need to renew with Eversure.
 
greyowl said:
In the context of the OP’s enquiry, I do tend to side on going with a big name house contents insurer - which I will have a look at when I need to renew with Eversure.
Click to expand...

I'm finding it difficult to get a decent level of cover if the worst should happen while we are away for a photographic weekend. The journey to the site (wherever it may be) could, in the worst scenario, ben that I have a MacBook, mu Swavorski scope, 2 camera bodies, 6 lenses and a few other bits in the car. If we stopped for coffee and the car got done, that's a lot of money on a claim. Most house policies only cover £5k of stuff outside the home, there's easily £8k in that lot......
 
Jelster said:
I'm finding it difficult to get a decent level of cover if the worst should happen while we are away for a photographic weekend. The journey to the site (wherever it may be) could, in the worst scenario, ben that I have a MacBook, mu Swavorski scope, 2 camera bodies, 6 lenses and a few other bits in the car. If we stopped for coffee and the car got done, that's a lot of money on a claim. Most house policies only cover £5k of stuff outside the home, there's easily £8k in that lot......
Click to expand...
That's why I have specialist insurance, most times when I go out I don't know which lenses to take so normally take most of them in my bag so will always have a lot of expensive kit on me, house insurance just won't cover it.
 
Jelster said:
I'm finding it difficult to get a decent level of cover if the worst should happen while we are away for a photographic weekend. The journey to the site (wherever it may be) could, in the worst scenario, ben that I have a MacBook, mu Swavorski scope, 2 camera bodies, 6 lenses and a few other bits in the car. If we stopped for coffee and the car got done, that's a lot of money on a claim. Most house policies only cover £5k of stuff outside the home, there's easily £8k in that lot......
Click to expand...

I increased mine to £10k Which was much cheaper than separate insurance.
 
Have you tried running your home insurance with the photo gear through the price comparison sites to see what it throws out ?
 
I've been creating a kit list including value (actually quite scary as assecories are added up). I was planning to take out insurance with Eversure as recommended by other posters but I've had a read on trust pilot. It doesn't make good reading when a claim is involved. One review of a camera claim said their camera went to a non recommended repair company. Guess that's any warranty out the window if its not a recommended repair company by the manufacturer. There is only 14 reviews on trustpilot but 7 of them are from January 2021 onwards. Only one of those is good.

uk.trustpilot.com

Eversure is rated "Great" with 4.1 / 5 on Trustpilot

Do you agree with Eversure's TrustScore? Voice your opinion today and hear what 290 customers have already said.
uk.trustpilot.com uk.trustpilot.com

Whats makes me wonder about all these review sites is how they can be so different. Trustpilot give them 2.1 but feffo give them 4.5 and smart money 4.79.

www.feefo.com

Eversure Insurance Reviews | http://www.eversure.com/ reviews | Feefo

Eversure Insurance Reviews. Find out what genuine customers have said about eversure.com/. Real reviews from real people.
www.feefo.com

Eversure Camera Insurance reviews - Smart Money People

smartmoneypeople.com smartmoneypeople.com

All I care about with insurance reviews is those who've made claims and how they have been handled. If you haven't made a claim then all you've done is give them money and seen no end product. Insurance is as good as a chocolate fireguard unless it pays out when making a claim.
 
rob-nikon said:
I've been creating a kit list including value (actually quite scary as assecories are added up). I was planning to take out insurance with Eversure as recommended by other posters but I've had a read on trust pilot. It doesn't make good reading when a claim is involved. One review of a camera claim said their camera went to a non recommended repair company. Guess that's any warranty out the window if its not a recommended repair company by the manufacturer. There is only 14 reviews on trustpilot but 7 of them are from January 2021 onwards. Only one of those is good.

uk.trustpilot.com

Eversure is rated "Great" with 4.1 / 5 on Trustpilot

Do you agree with Eversure's TrustScore? Voice your opinion today and hear what 290 customers have already said.
uk.trustpilot.com uk.trustpilot.com

Whats makes me wonder about all these review sites is how they can be so different. Trustpilot give them 2.1 but feffo give them 4.5 and smart money 4.79.

www.feefo.com

Eversure Insurance Reviews | http://www.eversure.com/ reviews | Feefo

Eversure Insurance Reviews. Find out what genuine customers have said about eversure.com/. Real reviews from real people.
www.feefo.com

Eversure Camera Insurance reviews - Smart Money People

smartmoneypeople.com smartmoneypeople.com

All I care about with insurance reviews is those who've made claims and how they have been handled. If you haven't made a claim then all you've done is give them money and seen no end product. Insurance is as good as a chocolate fireguard unless it pays out when making a claim.
Click to expand...
I can speak first hand for Markel Direct, like I said above I had quite a sizeable claim with them and they were fantastic, they asked me for costs to replace the items like for like new and then once they had all the info the money came through very quickly.
They were also very friendly when dealing with the claim.
This is now my 3rd annual renewal with them.
 
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