Which Insurance company for Camera Gear?

I'm currently with Aviva, but I'll be switching to Towergate once it's up for renewal.
 
I use Aaduki and found the price and conditions etc very good.

Just avoid E&L (Equine and Livestock) at all cost......
 
Why not just add it to your home contents?

I have all my gear added to my plan ans it hardly cost anything extra :)
 
Yes, mine was on my home contents insurance too until I started using it for paid work. The wife's gear is still on the home contents insurance.
 
I just added mine to my Aviva home contents and it didn't even change the premium...
 
Most of my gear is second hand...atm iam getting a few quotes for insurance on my contents. How do I need to value everything I own ie I bought a 24-105 L for £600 second hand-would I put that price or as new price?
 
jimmy83 said:
Most of my gear is second hand...atm iam getting a few quotes for insurance on my contents. How do I need to value everything I own ie I bought a 24-105 L for £600 second hand-would I put that price or as new price?
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It is a new for old policy and you simply put the REPLACEMENT amount in. If the lens is not available you put the nearest so for example I bought an 80-200 f2.8 for about £500 but it is insured for £1800 which is the price of the 70-200 f2.8 vr2 which is the nearest alternative.
 
So would have to put down the new price of a 24-105 L?
 
Thanks, what and just go by camerapricebuster.com?
 
I'd say Manufacturer's RRP, as they'll try to talk you down and weasel their way out of it anyway half the time, you know what insurance companies are like.

If you quote them RRP, and they moan if you need to make a claim, then you can magically find a deal and be a super hero.
 
I'm with E & L ... might I ask why they're not thought highly of? I'm yet to make a claim and would be most unimpressed if I found I couldn't.
 
another +1 for putting it on your home insurance - I asked Towergate for a quote for c. £6K's worth of gear and got a quote of about £200 a year from them - only cost an extra £16 to put it on my home insurance and that was only because I upped the total cover for non-specified personal valuables. The only limit is a £2000 max limit per item
 
There is little point in getting camera insurance unless you are doing some professional work. It is always easier adding it to your home policy.
 
TriggerHappy said:
I'm with E & L ... might I ask why they're not thought highly of? I'm yet to make a claim and would be most unimpressed if I found I couldn't.
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Read the terms and conditions. Especially about the cover when left in your car. :rules:
When I spoke to them about my cover with them, a £60,000 Range Rover wasn't covered. Even though it has laminated glass. :cuckoo:
The car boot has to be able to be locked seperately from the central locking and not have access from the interior with fold down seats etc.

That means about 99% of modern cars aren't covered. You could however buy a classic car and it would be covered. :cuckoo:

After half an hour on the phone with them, I cancelled my policy and the guy at the other end said he didn't blame me!!!
Absolute waste of time.

Kev.
 
TriggerHappy said:
I'm with E & L ... might I ask why they're not thought highly of? I'm yet to make a claim and would be most unimpressed if I found I couldn't.
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I have a VERY sophisticated alarm system on my house that I fitted myself because I didn't want some ham fisted numpty drilling holes everywhere. I programmed it and tested it and it works perfectly. IF it had been fitted by a NACOSS installer it would have been NACOSS approved as the alarm itself was up to that standard.

The quote I wanted with E&L came back as NOT needing an alarm system. I casually mentioned that I had one anyway at which point I was told "Well it must be NACOSS approved and tested annually". I said "But you said I didn't need to have one so how can it be that I need to have an alarm tested annually that I don't even need to have". Their reply was that if I have an alarm it MUST comply with their alarm minimum standards. I said "Look here telephone answering type person put me through to one of the underwriters you are clearly bereft of a brain" (or something like that)... She came back 5 mins later saying that she had just checked with underwriting and that the only way they would cover me was if I REMOVED my perfectly good alarm! I declined....
 
We occasionally have to deal with E&L claims at work , difficiult and slow to pay out even in the simplest of claims
 
anyone know of any good deals for students?

No one seems to be very happy to insure £3k worth of kit if you live with 5 alcoholics
 
StevenFullerton said:
anyone know of any good deals for students?

No one seems to be very happy to insure £3k worth of kit if you live with 5 alcoholics
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I don't know how old you are but it is often easiest to add all your stuff onto your parent's house insurance policy as they often have an optional "cover away from the house for students" section.
 
cowasaki said:
I don't know how old you are but it is often easiest to add all your stuff onto your parent's house insurance policy as they often have an optional "cover away from the house for students" section.
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19, cheers, il look into that.
 
I'm with Aaduki found the admin side very good, not yet encountered the claims side.
Dave
 
StevenFullerton said:
19, cheers, il look into that.
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It's actually free with a lot of companies so you might even be already covered although this cover would most likely be in your digs only and then only if you have your own area that only you have locked access to so not a shared area. To cover you outside your parents would need to have all risks/personal possessions cover but again you need to check with them.
 
I've just signed up to M&S Home Insurance, any item is covered up to £4000. I checked what would happen if my camera bag with lenses was nicked and he said that as long as each individual item was less than 4K, they would be covered. Can't remember the max, but it was many times my gears worth.

Plus they were the only company who would include my £1750 bicycle at no extra cost.

Quote was one of the cheapest too (not the cheapest though).
 
I'm the same as Mike J Smith, we use M&S for our insurance using their gold cover to cover everything away from home, this then covers my other expensive hobby "mountain Biking"

They've been brilliant on the one claim I did have they were effieicent and easy to deal with. They are expensive and I have to remember to cancel every year and reapply to get it cheaper ;)
 
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