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- Stephen
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Thinking of dedicated insurance rather than just the house insurance...who can you recommend ? Who should be avoided?
I'm with Aaduki. Renewal cost me £144 for my kit and their semi-pro level as I shoot footie pitchside. Not had to claim with them, touch wood, yet so can't comment.
I'm with Aaduki. Renewal cost me £144 for my kit and their semi-pro level as I shoot footie pitchside. Not had to claim with them, touch wood, yet so can't comment.
Does anyone know what the normal home contents insurance policy means when it says it doesn't cover 'professional' use or 'trade' use? e.g. if you're a total amateur but happen to sell a few photos online through Getty or similar your own website does this constitute having to buy 'professional' insurance?
I may be being a bit cynical here, but I have an opinion on insurance companies in general. They will do anything and everything to avoid paying out on a claim, or at least minimise the amount of money they pay out, regardless of fault.
I say this from the only 2 occasions (not photographic) claims that I have made in my life.
One was for a car claim, when I was the victim of some-one driving into the back of me, and the other was my when my wife's 1 month old scooter was stolen.
The insurers, on both occasions, tried everything to get out of paying out. When they did agree to pay out they tried everything in their power to minimise the payout.
Now I know these are motor claims, but it has made me very wary of insurance companies.
So now, I do as much research as I can before choosing an insurer, and shop around, and generally try and find out peoples real life experiences before I choose who to give my money to.
I decided that my home insurance was too unclear to give me confidence to add my camera kit, so I went with a camera kit specialist.
Of course, I'm sure there are plenty of people who have had no problem with adding it to their home insurance, and of course it will depend on the value of your kit, all I'm saying is read the small print.
Think it depends on who you have been with... Over the alst 10+ years I made a house claim with Direct line - paid out easy the following week. As premium went up I went with a cheap provider, made a claim and took ages and lots of hassle. Two further car claims with Direct Line (was other partys fault) were again sorted promptly. Camera claim with Aaduki sorted quickly.
My view is that of you go for the cheapest, they are cheapest for a reason. Direct line may cost a bit more but are very good in the event of a claim.
I use E&L insurance came in quite cheap compared to others out there, as i use to be with photoguard but started getting pricey.
Sam, go back and read the small print on your cover. Especially the bit about cover in a car.
Unless you drive a nice classic car like a mkII Jag, you might just find that you're not covered.
I did, with a brand new Range Rover, with laminated windows. I had a lengthy discussion with them on the phone and at the end, the guy admitted the cover for cars was rubbish. I cancelled immediately.
Absolute shower of ****. :thumbsdown:
All of the above assumes that they haven't changed the terms on their policies. They hadn't last time it was discussed.
Kev.
Sam, go back and read the small print on your cover. Especially the bit about cover in a car.
Unless you drive a nice classic car like a mkII Jag, you might just find that you're not covered.
I did, with a brand new Range Rover, with laminated windows. I had a lengthy discussion with them on the phone and at the end, the guy admitted the cover for cars was rubbish. I cancelled immediately.
Absolute shower of ****. :thumbsdown:
All of the above assumes that they haven't changed the terms on their policies. They hadn't last time it was discussed.
Kev.
Does anyone know what the normal home contents insurance policy means when it says it doesn't cover 'professional' use or 'trade' use? e.g. if you're a total amateur but happen to sell a few photos online through Getty or similar your own website does this constitute having to buy 'professional' insurance?
What kind of money are people paying for their gear insurance? I don't have too much kit at the moment... A Canon 7D, an EF 24-105 f/4L, an EF-S 10-22 and a EF 50mm f/1.8. Along with that, I have bits and bobs like a flash gun, BG-E7 grip, spare batteries, etc...
I imagine that some point in the future I'll add some other lenses/gear to that collection, but that's all I have for now. Are the insurance costs fixed or do they depend on the total cost of your gear?
This
they were also bobbins when i made a claim , and carried on taking money from my bank account for 6 months after cancellation (i got it back eventually but only after a lot of hassle)
also note that although their monthly premium can look cheap they charge on lunar months , so its 13 premiums a year
£43 p/m photo guard
12k
Car, world, PLI, hire
How does insurance work with second hand gear where you don't have proof of purchase? I read the Photoguard terms and it says that you need to send proof on making a claim. I have a 24-70 2.8 that I would like to insure but it was bought second hand privately.
Can someone share their thoughts on this? Thanks
Can someone share their thoughts on this? Thanks
Thank you for your email.
We can confirm you are able to insure your items purchased from ebay. You would need to insure the items for the current retail price without any discounts.
For proof of ownership please keep your online receipts.
How does insurance work with second hand gear where you don't have proof of purchase? I read the Photoguard terms and it says that you need to send proof on making a claim. I have a 24-70 2.8 that I would like to insure but it was bought second hand privately.