photoguard - any good?

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jonneymendoza

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Hi. has anyone insured there gear using photoguard? they seem to be recomended by many but one thing that caught me is their policy booklet found here

http://www.photoguard.co.uk/documents/2010/FortisThistle/PhotoSelectPolicyBooklet.pdf

the accidental and theft is fine but what is not covered is if the gear malfunctions or has a defect?

Strange as i thought that should come standard? when you buy brand new and its in warranty, the company(in this case of mine canon) will fix or replace any defect/issues that may occur within the guarantee period.

why doesnt photoguard do the same?
 
jonneymendoza said:
Hi. has anyone insured there gear using photoguard? they seem to be recomended by many but one thing that caught me is their policy booklet found here

http://www.photoguard.co.uk/documents/2010/FortisThistle/PhotoSelectPolicyBooklet.pdf

the accidental and theft is fine but what is not covered is if the gear malfunctions or has a defect?

Strange as i thought that should come standard? when you buy brand new and its in warranty, the company(in this case of mine canon) will fix or replace any defect/issues that may occur within the guarantee period.

why doesnt photoguard do the same?
Click to expand...

Never used it myself. But if it doesn't offer insurance for camera defects then i'd probably stay away...
 
I'd be surprised if any of the popular camera insurance companies cover defects through 'wear & tear'.
 
If your car needs new tyres... does your insurer pay for them??

Wear and tear is not usually covered, extended warranty is different!!

I have photoguard and claimed on a dropped camera body and lens, and they dealt with the matter pretty speedily and I was satisfied. As with all insurance policies, I would check that the cover is suitable for your needs... Particularly if you shoot action sports, concerts etc, as some policies require additional cover for this. I do however like that fact they also provide my Public Liability as part of the policy.
 
Warranty and insurance are two different things. Insurance on anything - cars, home, personal possessions - is for accidental damage, theft etc - wear and tear is normally excluded.
 
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