Scratched lens... insurance question.... help.

cuthbert

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i had a little accident with my Sigma 85 at the weekend resulting in a few scratches on the front element. I'm in the middle of getting a quote from Sigma for the repair. a bit annoying but not a problem... i'm insured with Photoguard but now i'm reading the t&c of the policy and under the 'not covered' under the accidental damage there is a clause:

"what is not covered:
9: Marring, scratching, denting"

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

does this mean they will try and wiggle out of this? i can understand them not wanting to cover a lens/camera body being scratched or dented, but the front element is fundamental to the function of the lens, surely?

as far as i can tell the lens focuses fine, maybe some resistance on the focus ring which wasn't there previously but i've not had an operturnity to test it fully. i will hopefully have time tomorrow.

anybody claimed for front element damage with photoguard?
 
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