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General photography questions and answers: Discuss The acid test...The short story: my Slingshot 200 bag and contents - 2 x D2X, 17-55 lens, 12-24 lens, cable release, memory ...
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Old 06-05-2008, 18:12   #1 (permalink)
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Unhappy The acid test

The short story: my Slingshot 200 bag and contents - 2 x D2X, 17-55 lens, 12-24 lens, cable release, memory cards - took a nosedive down a 40 foot embankment above a waterway this morning; I heard a few crashes and a splash that probably means the entire lot is at the bottom of the Rotten Calder (a local tributary river that flows into the Clyde). I did try to find a safe route to the waterside to no avail, so I'm having to write the lot off.

I've contacted my insurer to begin the claims process and will advise you all how it goes. The insurer is Towergate Camerasure and, in total, I'm having to claim for just over 8K in losses.

I've already been advised that there's a 150 excess and, since I'm VAT registered, I need to pay the VAT portion of the settlement and claim it back on my next return. So far, this experience is going to set me back about 1300 in the short term.
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Old 06-05-2008, 18:14   #2 (permalink)
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Re: The acid test

Ouch .... at least the D3's will be coming soon
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Old 06-05-2008, 18:30   #3 (permalink)
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Re: The acid test

owwwwwwwwww thats a painful experience!
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Old 06-05-2008, 18:39   #4 (permalink)

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Re: The acid test

Really Back Luck Vp, I Hope You Win The Battle With Your Insurance Company.
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Old 06-05-2008, 18:40   #5 (permalink)
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Re: The acid test

Ouch indeed! How did it happen?

I'm trying to make the gear you mention add up to 8k (It does if I substitute D3's for the D2X's)

Most importantly, how long do you think 'til you're back up and running?
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Old 06-05-2008, 18:57   #6 (permalink)
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Re: The acid test

Charlotte;

The D2X's were insured for 3300 each, being the average price of a D2Xs at the time I took out the insurance. Factoring for the other bits takes the claim to just over 8K.

I hope to be back up and running very quickly since I called Calumet for a quote and found out that the Glasgow branch has pretty much everything in stock. My insurers can accept a pro-forma invoice from them and pay them directly, less the excess and the VAT... hence the 1300 initial costs to me.

I fly out to Las Vegas on the morning of the 21st, so essentially I need to have this resolved in just two weeks. Push come to shove, I can probably hire or borrow some kit for the assignment, but I'd rather that the insurer does their bit promptly.

As to how it happened - well, I was unclipping my dog from her lead and she rocketed off after something, knocking me off balance in the process. The bag was the casualty of the whole escapade.
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Old 06-05-2008, 19:06   #7 (permalink)
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Re: The acid test

Assume you're getting D3's as replacements

Best of luck VP, hope the insurance company comes through for you
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Old 06-05-2008, 20:01   #8 (permalink)
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Re: The acid test

Hope everything gets sorted quickly for you VP.
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Old 06-05-2008, 20:26   #9 (permalink)
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Re: The acid test

Very bad luck VP, but like mentioned, if it's an new for old basis, then perhaps 2 D3s will be on their way to you Here's hoping it all goes well
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Old 06-05-2008, 20:34   #10 (permalink)
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Re: The acid test

Hi
Painful experience...Can I ask how much your premium was to cover this kit? I work for a major Insurance company and have had dealings with Towergate...they are a greedy company in terms of commission they charge!
8000 is a lot of kit, but for the average person here I would recommend taking out Unspecified Personal Belongings on their House insurance which usually covers upto about 1500 - 2000 (check policy wording to make sure this includes camera equipment!). If this doesn't cover it then take out Specified Personal Belongings for Camera Equipment which is an additional cover on House Insurance, usually upto about 10000 in total. The important point about these covers is that they cover stuff where the claim originates outside the home. If you read your policy wording on your contents insurance you may find there is a certain amount of accidental damage cover included if you damage camera in the home.
Anyway, thats enough about insurance...I've left work for the day!
Good luck with your claim.
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Old 06-05-2008, 20:44   #11 (permalink)
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Re: The acid test

Andy

I elected to pay 62/month over 10 months... not bad for a total sum insured of 18K, giving me full UK + 45 days worldwide.
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Old 06-05-2008, 20:56   #12 (permalink)

PLEASE NOTE

I TYPE USING CAPITALS DUE TO A DISABILTY

THANKS FOR YOUR UNDERSTANDING
 
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Re: The acid test

Vp Are You Going To Hire Equipment For Your Las Vegas Trip, Or Is That Now Canceled .
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Old 06-05-2008, 21:23   #13 (permalink)
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Re: The acid test

Nasty I bet you said "Oh gosh" when it happened

Hope it all goes well for you with your claim.
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Old 06-05-2008, 21:45   #14 (permalink)
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Re: The acid test

Quote:
Originally Posted by WOODY View Post
Vp Are You Going To Hire Equipment For Your Las Vegas Trip, Or Is That Now Canceled .
Woody ...

Quote:
Originally Posted by VikingPhotography View Post
... I fly out to Las Vegas on the morning of the 21st, so essentially I need to have this resolved in just two weeks. Push come to shove, I can probably hire or borrow some kit for the assignment, but I'd rather that the insurer does their bit promptly.
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Old 07-05-2008, 10:01   #15 (permalink)

PLEASE NOTE

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Re: The acid test

CHARLOTTE, SORRY I DIDN'T READ THAT PART.
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Old 07-05-2008, 10:39   #16 (permalink)
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Re: The acid test

That's really bad news, sorry to hear about the loss of your gear! On the plus side you scared me into checking my own insurance - only to discover that I have about 4k of gear on a policy that only goes up to 2.5k!

Need to sort out some PL insurance anyway so I guess its time to move off the home & contents and onto something more suitable.

I hope it all works out smoothly with getting the new gear.
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Old 07-05-2008, 17:15   #17 (permalink)
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Re: The acid test

First off: thanks for your messages of support. I'm just lucky that I have a good friend who is lending me a D50 to do a portrait shoot on Friday... outside of that, there were no jobs on my calendar that I wouldn't miss scrapping - not until I leave for the States, that is.

Secondly, a partial update. All of my documentation is now in the hands of the insurers and I should get confirmation tomorrow of the how and when it will proceed.

At this point in time, it looks like Calumet in Glasgow are the folk who'll be sorting me out since they have all the bits in stock and have put a 48 hour reserve on them for me, pending confirmation from my insurer.

My key advice to anyone would be this: keep all your photographic receipts and, if possible, scan them and email them to yourself using a web-based email account such as Gmail, MSN etc... this will really cut down on the time spent hunting for the proof of purchase that is required to support your claims!

I keep all my receipts in an A4 envelope so laying my hands on them wasn't as difficult as it might otherwise have been, but there was still one that took a day to find since it wasn't where it should have been
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Old 07-05-2008, 17:57   #18 (permalink)
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Re: The acid test

What a **** no other word for it, hope it gets sorted quickly
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Old 08-05-2008, 08:56   #19 (permalink)
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Re: The acid test

Something similar but far less drastic recently happened to me and I was lucky it was easily resolved, I hope it all works out for you. It's an ideal opportunity to go to the D3 as you also lost all your DX kit.

Good idea about scanning I'll try that. I keep all my receipts at work for anything valuable together with a video of my homes contents. I figure the most catastrophic loss could be a fire at home and the receipts will be lost along with everything else.
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Old 08-05-2008, 09:40   #20 (permalink)
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Re: The acid test

Quote:
Originally Posted by VinnyP View Post
Something similar but far less drastic recently happened to me and I was lucky it was easily resolved, I hope it all works out for you. It's an ideal opportunity to go to the D3 as you also lost all your DX kit.

Good idea about scanning I'll try that. I keep all my receipts at work for anything valuable together with a video of my homes contents. I figure the most catastrophic loss could be a fire at home and the receipts will be lost along with everything else.
What about a fire at work Vinny
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Old 08-05-2008, 10:35   #21 (permalink)
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Re: The acid test

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What about a fire at work Vinny
Work is in a fireproof safe and at least I'd still have all the goodies.
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Old 08-05-2008, 11:09   #22 (permalink)
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Re: The acid test

Good thinking
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Old 08-05-2008, 11:23   #23 (permalink)
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Re: The acid test

Quote:
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What a **** no other word for it

... ... ... I'm up, what's the word
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Old 08-05-2008, 12:07   #24 (permalink)
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Re: The acid test

Quote:
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... ... ... I'm up, what's the word
'Blow'?
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Old 08-05-2008, 14:19   #25 (permalink)
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Re: The acid test

the S word
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Old 08-05-2008, 14:42   #26 (permalink)
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Thumbs up The outcome

The short version: I can definitely recommend Towergate as an insurer since my claim has been approved without any hassles or to-do.

As I guessed, Calumet in Glasgow will be fulfilling the order for me and, once they've received the cheque payment from my insurer, all I need to do is pay the VAT and my excess and I can leave the store with my new bits.

Just so you know, it's been approved as new for old so I'll have

2 x D3 bodies
1 x 14-24mm f/2.8 lens
1 x 24-70mm f/2.8 lens
2 x 4GB Extreme III CF cards
1 x Slingshot 200 bag
1 x MC-30 release cable

Ordinarily I'd be over the moon about the new kit but I've still had to cancel a few shoots pending this issue being resolved so, until such time as I get to shoot with the gear, I'll be fussing a bit over missed opportunities etc. - but that's just me.
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Old 08-05-2008, 17:53   #27 (permalink)
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Re: The acid test

Must remember to drop my kit into a river more often . Glad it's looking good, but shame about the missed ops.
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Old 08-05-2008, 18:52   #28 (permalink)
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Re: The acid test

Good to hear the insurance has gone through without any hassle.......that's always been my fear if having to make a claim.
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Old 09-05-2008, 14:11   #29 (permalink)
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Re: The acid test

Sorry to hear what happened to the kit and the impact it's having on your business.

Delighted to hear you'll be getting 2 D3's out of it
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Old 09-05-2008, 14:18   #30 (permalink)
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Re: The acid test

That is quick VP. I can imagine that you were looking totally flabbergasted with your mouth wide open.

I think I would cry there and then.

It's good advice to keep the receipts as you never know. I need to look into my house insurance as I didn't take that extra cover out. Never thought of my photographic kit I take with me. How stupid Going to Holland next month as well.
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