Photoguard insurance

[sworks]

Anybody use them? I'm looking for insurance for the first time. They are quoting just under £100 for £2500 worth of kit with no excess and in car cover. Also monthly installments which is a plus Anybody used them and had to make a claim?
Thanks

 

[steve_t]

putting photoguard in the search above brings a few claims up...

http://www.talkphotography.co.uk/forums/search.php?searchid=3278780

 

[arclight]

Check out puting your kit onto your house insurance on an all risks basis.
Usually cheaper.

 

[sworks]

lots and lots of posts after searching, and lots of different opinions. I think we need a top 5

 

[sworks]

Another thought is that my kit was bought second hand and in some instances at good prices - if I insure for what I paid, I probably wouldn't be able to buy again at the same price. If I insure at what it's worth will they just knock me down to what i paid according to the receipt price?

 

[alastairb]

i have used them for a claim as has one of my friends, they pay out without making a fuss but took about a month todo so in each occurance

 

[Mark Anthony]

I've just insured my gear with them, hopefully wont need to claim but nice to read the don't fuss if a claim is put in.

 

[sworks]

Thanks for the replys, I think I will use them

 

[wingo]

If you purchased 2nd hand items and it gets stolen how would you go about proving its your without receipts, etc?

 

[suze23]

im with tthem

 

[neil_g]

always insure your kit for what it costs to replace.

for example my 20D is insured with photoguard for the cost of a new 40D etc

 

[sworks]

If you purchased 2nd hand items and it gets stolen how would you go about proving its your without receipts, etc?

I have receipts as proof of purchase from the sellers.