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Thinking of dedicated insurance rather than just the house insurance...who can you recommend ? Who should be avoided?
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Photographic insurance
- Thread starter Stephen white
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- Gary
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There are many many threads on TP regarding this very question. Might be worth doing a search, it will throw up a lot of options.
I personally use CLIIK insurance. Good rates, cover includes all I need, and also Public liability and business indemnity too.
But you will get more suggestions when you do your search.
I personally use CLIIK insurance. Good rates, cover includes all I need, and also Public liability and business indemnity too.
But you will get more suggestions when you do your search.
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- Mark
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I was with Photoguard but it was getting a bit pricey.
I'm now with Cliik who were great to deal with. I've not made a claim but if they are as good to deal with then as they were when signing up then happy days.
I'm now with Cliik who were great to deal with. I've not made a claim but if they are as good to deal with then as they were when signing up then happy days.
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I did have to claim a month ago with them, and they were faultless. Prompt (actually chasing me to get claim form in), and fast to payout. Recommended.
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I looked at them but didn't like the exclusion of cover for kit left in an unattended vehicle after 9pm nor the increased excess (went up from £200 to 7.5% of the total loss!:thumbsdown
if it was stolen from an unattended vehicle. They didn't actually point that out to me, just said it was £200 the excess when I asked. I had it pointed out to me by another insurer.I'm +1 for Cliik as that's who I'm with.
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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?
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I would suggest you ring your home insurers and explain what exactly you are doing and get them to confirm if they're happy to cover your kit whilst that's part of its use. The thing with insurance is there are grey areas, this being one, so its always best to ask the parties involved as not all policies are the same. Someone may have similar wording and be ok, others may say not.
The key word from what you've said is 'sell', that to me says your making money and so they may say that's trade use. For the sake of a phone call ring them and ask for clarification. And if they do say you're covered get it in writing either letter, email, endorsement.
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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.
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.
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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.
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Oh Absolutely.
I wasn't saying all insurers are the same, and with most things in life, you get what you pay for, which is why I don't usually buy the cheapest available in anything.
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- sam
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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.
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I have my gear and the wifes covered with Photoguard. It's not the cheapest, I think Aaduki quoted the cheapest, but Photoguard offers me travelling cover as well as unattended in vehicle cover and no excess. It's just over £300 a year for around £10,000 worth of kit.
I had a policy with E&L when I first took out any insurance but I changed after the first year, their basic excess ran to something like 8% of the value so for me it would of been an excess of around £800 and in vehicle/unattended was around 12% IIRC which would work out at around £1,200. For the extra £100 it cost for Photoguard (with no excess) I thought it was much better cover.
I had a policy with E&L when I first took out any insurance but I changed after the first year, their basic excess ran to something like 8% of the value so for me it would of been an excess of around £800 and in vehicle/unattended was around 12% IIRC which would work out at around £1,200. For the extra £100 it cost for Photoguard (with no excess) I thought it was much better cover.
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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.
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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.
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.
Exactly. People all go photoguard.its the best . U get what you pay for
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i use glover and howe, great service, always beat anyone else, cover me for pretty much everything and only £50 excess
big soft moose
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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.
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.
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
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- Martin
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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.
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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?
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?
Photodiva
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When I enquired at Aaduki they explained that as a sport shooter, if I sold any images, then it counted as 'semi-professinal' and offered an upgraded package, so I decided it was worth it to be 'up front' about that. Better than being 'caught out' later on.
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I'm with Photoguard, i pay £15 p/mth for the gear in my signature if that helps.... I will shop around a bit this time though when the renewal comes up. I went with photoguard at the time as it was the only one i'd heard of before.
Section Sum Insured
1 Sum Insured £5,048.00
2 Cover outside insured location Yes
3 hire of equipment Yes
4 in-vehicle No
5 Territorial Limits UK
6 Public Liability £1 million
7 Personal Accident £5,000 limit
8 Breakdown No
9 Associates No
Description of item
Canon BG-E2 Battery Grip
Canon Extender EF 1.4x II
Canon EF 50mm f/1.4 USM
Canon EF 85mm f/1.8 USM
Canon EF 24-70 mm len
Canon EOS 40D
Canon EF 70-200mm f/2.8L IS USM
Canon EOS 7D
Canon BG-E7 Battery Grip
Total number of items: 9 Total sum insured: £5,048.00
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Thanks for that, i have read the t&cs and your right, trying to get in contact with them to change some details, but customer service is crap, cant phone answer machine, sent email got no reply, so looking at changing my policy, any recommended would be good, just want it for theft and in car and accidental damage.
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Is that about £516 per year then (12x43)?
Bit steep for £12k and just PL (I'm assuming PLI meant Public Liability). How much PL did you get with that £5m? On what do you mean by 'world', is that you have cover for going abroad? Is it on a permanent basis or just a set amount of days per year?
My kit is more than that and a policy with £5m PL and £100k Pro Indemnity is £150 cheaper with Cliik. Think I may be on the right end of a deal for once
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Also interested to know all my gear is new apart from my 24-70
big soft moose
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in my experience you only need receipts for items over £1k - which excludes most second hand stuff
That apart you can also show proof of purchase of second hand goods by getting a receipt fro the seller - simples
That apart you can also show proof of purchase of second hand goods by getting a receipt fro the seller - simples
London Headshots
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I'm with Towergate Camerasure, though they're hard to get a policy with, but are generally considered the best. I've also been with InFocus, who're easy to get a policy with, very easy to deal with, and my personal experience when claiming was completely faultless and hassle-free. Claimed for a 5D2 last month. Didn't have a receipt, didn't have to do anything accept give my bank details over and £2500 was in my account 3 days later. Only switched to Towergate because bought a new camera that was too expensive as a single insurable item.
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I asked photoguard about eBay items before I joined and I got this answer.
For private sale items does the seller have the receipt?
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Tigger.ufo
Lady Penelope
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If you paid with Paypal you will have an email receipt which has the item details on it.
I think this is what they mean.
Heather
I think this is what they mean.
Heather
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I've just had a claim paid out by Photoguard for a dropped and damaged 7D. I had originally swapped a 60D kit and part cash for it and had to supply proof so I was a bit worried about this.
I sent in a copy of the 60D receipt and bank statement showing the bank transfer for the cash part and explained when I'd made the swap. I also sent a photo of the box and cables, strap and accessories that came with the 7D.
Photoguard accepted this without any quibbles and have authorised a £600 payment for repairs and will transfer the payment straight to the Lincoln branch of L.C.E. in the next few days. I had a 'no excess' policy with them so I have nothing else to pay. I can now 'totally honestly' recommend Photoguard to anyone wanting insurance and will no doubt continue to be covered by them in the future.